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$38,618
−HK$2,421/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$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,169/mo
Today · 4.125%
HK$45,283
baseline
▲ 0.50% · 4.625%
HK$47,670
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,566/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,341
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,464/mo
Today · 4.125%
HK$49,247
baseline
▲ 0.50% · 4.625%
HK$52,244
+HK$2,997/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$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,554
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,937
−HK$1,402/mo
Today · 4.125%
HK$54,339
baseline
▲ 0.50% · 4.625%
HK$57,204
+HK$2,865/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$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$3,390/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$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,146
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,760
−HK$1,636/mo
Today · 4.125%
HK$63,396
baseline
▲ 0.50% · 4.625%
HK$66,738
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,792/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,512
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,674
−HK$2,197/mo
Today · 4.125%
HK$73,871
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,742/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,331
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,405
−HK$2,104/mo
Today · 4.125%
HK$81,509
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,297/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,018/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,087 · Scale 2, in force from 26 Feb 2026)