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$38,568
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,219/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$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,168/mo
Today · 4.125%
HK$45,225
baseline
▲ 0.50% · 4.625%
HK$47,609
+HK$2,384/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,450/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,282
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,721
−HK$1,463/mo
Today · 4.125%
HK$49,184
baseline
▲ 0.50% · 4.625%
HK$52,177
+HK$2,993/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,368/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,488
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$52,869
−HK$1,401/mo
Today · 4.125%
HK$54,270
baseline
▲ 0.50% · 4.625%
HK$57,130
+HK$2,860/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,540/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,995
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,706/mo
Today · 4.125%
HK$57,381
baseline
▲ 0.50% · 4.625%
HK$60,873
+HK$3,492/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,762/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,069
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,680
−HK$1,635/mo
Today · 4.125%
HK$63,315
baseline
▲ 0.50% · 4.625%
HK$66,652
+HK$3,337/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,630/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,423
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,582
−HK$2,194/mo
Today · 4.125%
HK$73,776
baseline
▲ 0.50% · 4.625%
HK$78,265
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,552/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,232
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,303
−HK$2,101/mo
Today · 4.125%
HK$81,404
baseline
▲ 0.50% · 4.625%
HK$85,695
+HK$4,291/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,808/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,272 · Scale 2, in force from 26 Feb 2026)