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$38,562
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,219/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,474
+HK$2,494/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,900
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,168/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,601
+HK$2,383/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,274
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,714
−HK$1,462/mo
Today · 4.125%
HK$49,176
baseline
▲ 0.50% · 4.625%
HK$52,168
+HK$2,992/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$98,352/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,480
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,860
−HK$1,401/mo
Today · 4.125%
HK$54,261
baseline
▲ 0.50% · 4.625%
HK$57,121
+HK$2,860/mo
Deposit HK$6.76M · loan HK$10.15M · min. income ≈ HK$108,522/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,987
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,666
−HK$1,706/mo
Today · 4.125%
HK$57,372
baseline
▲ 0.50% · 4.625%
HK$60,863
+HK$3,491/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$114,744/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,060
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,634/mo
Today · 4.125%
HK$63,305
baseline
▲ 0.50% · 4.625%
HK$66,641
+HK$3,336/mo
Deposit HK$5.07M · loan HK$11.84M · min. income ≈ HK$126,610/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,571
−HK$2,193/mo
Today · 4.125%
HK$73,764
baseline
▲ 0.50% · 4.625%
HK$78,253
+HK$4,489/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$147,528/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,220
−HK$4,172/mo
▼ 0.25% · 3.875%
HK$79,291
−HK$2,101/mo
Today · 4.125%
HK$81,392
baseline
▲ 0.50% · 4.625%
HK$85,682
+HK$4,290/mo
Deposit HK$1.69M · loan HK$15.22M · min. income ≈ HK$162,784/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,172 · Scale 2, in force from 26 Feb 2026)