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$38,592
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,792
−HK$1,220/mo
Today · 4.125%
HK$41,012
baseline
▲ 0.50% · 4.625%
HK$43,507
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,024/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,933
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$44,085
−HK$1,168/mo
Today · 4.125%
HK$45,253
baseline
▲ 0.50% · 4.625%
HK$47,638
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,506/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,310
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,751
−HK$1,463/mo
Today · 4.125%
HK$49,214
baseline
▲ 0.50% · 4.625%
HK$52,209
+HK$2,995/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,428/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,520
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,901
−HK$1,402/mo
Today · 4.125%
HK$54,303
baseline
▲ 0.50% · 4.625%
HK$57,166
+HK$2,863/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,606/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,029
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,708/mo
Today · 4.125%
HK$57,417
baseline
▲ 0.50% · 4.625%
HK$60,910
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,834/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,106
−HK$3,248/mo
▼ 0.25% · 3.875%
HK$61,718
−HK$1,636/mo
Today · 4.125%
HK$63,354
baseline
▲ 0.50% · 4.625%
HK$66,693
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,708/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,626
−HK$2,196/mo
Today · 4.125%
HK$73,822
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,644/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,280
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,352
−HK$2,103/mo
Today · 4.125%
HK$81,455
baseline
▲ 0.50% · 4.625%
HK$85,748
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,910/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,665 · Scale 2, in force from 26 Feb 2026)