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$38,617
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,819
−HK$1,220/mo
Today · 4.125%
HK$41,039
baseline
▲ 0.50% · 4.625%
HK$43,536
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,078/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,961
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,168/mo
Today · 4.125%
HK$45,282
baseline
▲ 0.50% · 4.625%
HK$47,669
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,564/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,341
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,782
−HK$1,465/mo
Today · 4.125%
HK$49,247
baseline
▲ 0.50% · 4.625%
HK$52,243
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,494/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,554
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,936
−HK$1,403/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,203
+HK$2,864/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,678/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,064
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,709/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,951
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,146
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,759
−HK$1,636/mo
Today · 4.125%
HK$63,395
baseline
▲ 0.50% · 4.625%
HK$66,737
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,790/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,511
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,673
−HK$2,197/mo
Today · 4.125%
HK$73,870
baseline
▲ 0.50% · 4.625%
HK$78,365
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,740/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,331
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,404
−HK$2,104/mo
Today · 4.125%
HK$81,508
baseline
▲ 0.50% · 4.625%
HK$85,805
+HK$4,297/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,016/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,082 · Scale 2, in force from 26 Feb 2026)