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$38,631
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,833
−HK$1,221/mo
Today · 4.125%
HK$41,054
baseline
▲ 0.50% · 4.625%
HK$43,552
+HK$2,498/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,108/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,977
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,130
−HK$1,169/mo
Today · 4.125%
HK$45,299
baseline
▲ 0.50% · 4.625%
HK$47,687
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,598/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,358
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,799
−HK$1,466/mo
Today · 4.125%
HK$49,265
baseline
▲ 0.50% · 4.625%
HK$52,262
+HK$2,997/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$98,530/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,572
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,955
−HK$1,404/mo
Today · 4.125%
HK$54,359
baseline
▲ 0.50% · 4.625%
HK$57,224
+HK$2,865/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$108,718/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,084
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,766
−HK$1,709/mo
Today · 4.125%
HK$57,475
baseline
▲ 0.50% · 4.625%
HK$60,973
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,168
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,781
−HK$1,637/mo
Today · 4.125%
HK$63,418
baseline
▲ 0.50% · 4.625%
HK$66,761
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,836/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,536
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,699
−HK$2,198/mo
Today · 4.125%
HK$73,897
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$4,496/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,794/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,358
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,433
−HK$2,105/mo
Today · 4.125%
HK$81,538
baseline
▲ 0.50% · 4.625%
HK$85,836
+HK$4,298/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,076/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,312 · Scale 2, in force from 26 Feb 2026)