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$38,514
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,217/mo
Today · 4.125%
HK$40,929
baseline
▲ 0.50% · 4.625%
HK$43,420
+HK$2,491/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$81,858/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,847
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,166/mo
Today · 4.125%
HK$45,162
baseline
▲ 0.50% · 4.625%
HK$47,542
+HK$2,380/mo
Deposit HK$8.45M · loan HK$8.45M · min. income ≈ HK$90,324/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,217
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,460/mo
Today · 4.125%
HK$49,115
baseline
▲ 0.50% · 4.625%
HK$52,104
+HK$2,989/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$98,230/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,416
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$52,795
−HK$1,399/mo
Today · 4.125%
HK$54,194
baseline
▲ 0.50% · 4.625%
HK$57,051
+HK$2,857/mo
Deposit HK$6.76M · loan HK$10.13M · min. income ≈ HK$108,388/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,920
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,597
−HK$1,704/mo
Today · 4.125%
HK$57,301
baseline
▲ 0.50% · 4.625%
HK$60,788
+HK$3,487/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$114,602/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,985
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,594
−HK$1,632/mo
Today · 4.125%
HK$63,226
baseline
▲ 0.50% · 4.625%
HK$66,559
+HK$3,333/mo
Deposit HK$5.07M · loan HK$11.82M · min. income ≈ HK$126,452/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,326
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,482
−HK$2,191/mo
Today · 4.125%
HK$73,673
baseline
▲ 0.50% · 4.625%
HK$78,156
+HK$4,483/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$147,346/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,124
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,193
−HK$2,098/mo
Today · 4.125%
HK$81,291
baseline
▲ 0.50% · 4.625%
HK$85,576
+HK$4,285/mo
Deposit HK$1.69M · loan HK$15.20M · min. income ≈ HK$162,582/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$633,388 · Scale 2, in force from 26 Feb 2026)