The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,567
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,767
−HK$1,219/mo
Today · 4.125%
HK$40,986
baseline
▲ 0.50% · 4.625%
HK$43,480
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,972/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,167/mo
Today · 4.125%
HK$45,224
baseline
▲ 0.50% · 4.625%
HK$47,608
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,448/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,281
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,462/mo
Today · 4.125%
HK$49,183
baseline
▲ 0.50% · 4.625%
HK$52,176
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,366/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,487
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,868
−HK$1,401/mo
Today · 4.125%
HK$54,269
baseline
▲ 0.50% · 4.625%
HK$57,129
+HK$2,860/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,538/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,994
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,674
−HK$1,706/mo
Today · 4.125%
HK$57,380
baseline
▲ 0.50% · 4.625%
HK$60,872
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,760/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,068
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,635/mo
Today · 4.125%
HK$63,314
baseline
▲ 0.50% · 4.625%
HK$66,651
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,628/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,421
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,581
−HK$2,194/mo
Today · 4.125%
HK$73,775
baseline
▲ 0.50% · 4.625%
HK$78,264
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,550/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,231
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,302
−HK$2,101/mo
Today · 4.125%
HK$81,403
baseline
▲ 0.50% · 4.625%
HK$85,694
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,806/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,263 · Scale 2, in force from 26 Feb 2026)