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$38,569
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,218/mo
Today · 4.125%
HK$40,987
baseline
▲ 0.50% · 4.625%
HK$43,481
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,974/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,168/mo
Today · 4.125%
HK$45,226
baseline
▲ 0.50% · 4.625%
HK$47,610
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,452/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,283
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,463/mo
Today · 4.125%
HK$49,185
baseline
▲ 0.50% · 4.625%
HK$52,178
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,370/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,489
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,870
−HK$1,401/mo
Today · 4.125%
HK$54,271
baseline
▲ 0.50% · 4.625%
HK$57,131
+HK$2,860/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,542/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,996
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,706/mo
Today · 4.125%
HK$57,382
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,764/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,070
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,681
−HK$1,635/mo
Today · 4.125%
HK$63,316
baseline
▲ 0.50% · 4.625%
HK$66,653
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,632/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,583
−HK$2,194/mo
Today · 4.125%
HK$73,777
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$4,490/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,554/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,233
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,305
−HK$2,101/mo
Today · 4.125%
HK$81,406
baseline
▲ 0.50% · 4.625%
HK$85,697
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,812/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,285 · Scale 2, in force from 26 Feb 2026)