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$38,638
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,221/mo
Today · 4.125%
HK$41,061
baseline
▲ 0.50% · 4.625%
HK$43,559
+HK$2,498/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,122/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,984
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,137
−HK$1,170/mo
Today · 4.125%
HK$45,307
baseline
▲ 0.50% · 4.625%
HK$47,695
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,614/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,365
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,808
−HK$1,465/mo
Today · 4.125%
HK$49,273
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,546/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,581
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,964
−HK$1,404/mo
Today · 4.125%
HK$54,368
baseline
▲ 0.50% · 4.625%
HK$57,234
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,736/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,709/mo
Today · 4.125%
HK$57,485
baseline
▲ 0.50% · 4.625%
HK$60,983
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,970/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,178
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,792
−HK$1,637/mo
Today · 4.125%
HK$63,429
baseline
▲ 0.50% · 4.625%
HK$66,773
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,858/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,548
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$2,198/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$78,407
+HK$4,498/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,447
−HK$2,105/mo
Today · 4.125%
HK$81,552
baseline
▲ 0.50% · 4.625%
HK$85,850
+HK$4,298/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,104/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,420 · Scale 2, in force from 26 Feb 2026)