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$38,642
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,844
−HK$1,221/mo
Today · 4.125%
HK$41,065
baseline
▲ 0.50% · 4.625%
HK$43,564
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,130/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,988
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,141
−HK$1,170/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$47,699
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,370
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,466/mo
Today · 4.125%
HK$49,278
baseline
▲ 0.50% · 4.625%
HK$52,276
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,556/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,586
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,970
−HK$1,403/mo
Today · 4.125%
HK$54,373
baseline
▲ 0.50% · 4.625%
HK$57,239
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,746/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,098
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,781
−HK$1,710/mo
Today · 4.125%
HK$57,491
baseline
▲ 0.50% · 4.625%
HK$60,989
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,982/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,184
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,798
−HK$1,637/mo
Today · 4.125%
HK$63,435
baseline
▲ 0.50% · 4.625%
HK$66,779
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,870/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,555
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$2,198/mo
Today · 4.125%
HK$73,917
baseline
▲ 0.50% · 4.625%
HK$78,414
+HK$4,497/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,834/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,455
−HK$2,105/mo
Today · 4.125%
HK$81,560
baseline
▲ 0.50% · 4.625%
HK$85,859
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,120/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,483 · Scale 2, in force from 26 Feb 2026)