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$38,588
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$39,789
−HK$1,219/mo
Today · 4.125%
HK$41,008
baseline
▲ 0.50% · 4.625%
HK$43,503
+HK$2,495/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,016/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,929
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,167/mo
Today · 4.125%
HK$45,248
baseline
▲ 0.50% · 4.625%
HK$47,634
+HK$2,386/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,496/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,464/mo
Today · 4.125%
HK$49,210
baseline
▲ 0.50% · 4.625%
HK$52,204
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,420/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,515
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,897
−HK$1,401/mo
Today · 4.125%
HK$54,298
baseline
▲ 0.50% · 4.625%
HK$57,160
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,596/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,024
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,704
−HK$1,707/mo
Today · 4.125%
HK$57,411
baseline
▲ 0.50% · 4.625%
HK$60,905
+HK$3,494/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$114,822/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,101
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,713
−HK$1,635/mo
Today · 4.125%
HK$63,348
baseline
▲ 0.50% · 4.625%
HK$66,687
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.85M · min. income ≈ HK$126,696/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,459
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,620
−HK$2,195/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$78,306
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,272
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,345
−HK$2,102/mo
Today · 4.125%
HK$81,447
baseline
▲ 0.50% · 4.625%
HK$85,740
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,894/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,606 · Scale 2, in force from 26 Feb 2026)