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$38,585
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,220/mo
Today · 4.125%
HK$41,005
baseline
▲ 0.50% · 4.625%
HK$43,500
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,010/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,926
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,168/mo
Today · 4.125%
HK$45,245
baseline
▲ 0.50% · 4.625%
HK$47,630
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,490/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,463/mo
Today · 4.125%
HK$49,206
baseline
▲ 0.50% · 4.625%
HK$52,200
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,412/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,511
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,892
−HK$1,402/mo
Today · 4.125%
HK$54,294
baseline
▲ 0.50% · 4.625%
HK$57,156
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,588/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$55,700
−HK$1,707/mo
Today · 4.125%
HK$57,407
baseline
▲ 0.50% · 4.625%
HK$60,900
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,814/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,096
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,708
−HK$1,635/mo
Today · 4.125%
HK$63,343
baseline
▲ 0.50% · 4.625%
HK$66,682
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,686/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,453
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,614
−HK$2,195/mo
Today · 4.125%
HK$73,809
baseline
▲ 0.50% · 4.625%
HK$78,300
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,618/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,266
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,339
−HK$2,102/mo
Today · 4.125%
HK$81,441
baseline
▲ 0.50% · 4.625%
HK$85,734
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,882/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,555 · Scale 2, in force from 26 Feb 2026)