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$38,585
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$39,785
−HK$1,219/mo
Today · 4.125%
HK$41,004
baseline
▲ 0.50% · 4.625%
HK$43,500
+HK$2,496/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$82,008/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,925
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,167/mo
Today · 4.125%
HK$45,244
baseline
▲ 0.50% · 4.625%
HK$47,629
+HK$2,385/mo
Deposit HK$8.46M · loan HK$8.46M · min. income ≈ HK$90,488/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$47,742
−HK$1,463/mo
Today · 4.125%
HK$49,205
baseline
▲ 0.50% · 4.625%
HK$52,199
+HK$2,994/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$98,410/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,510
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,892
−HK$1,401/mo
Today · 4.125%
HK$54,293
baseline
▲ 0.50% · 4.625%
HK$57,155
+HK$2,862/mo
Deposit HK$6.77M · loan HK$10.15M · min. income ≈ HK$108,586/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,699
−HK$1,707/mo
Today · 4.125%
HK$57,406
baseline
▲ 0.50% · 4.625%
HK$60,899
+HK$3,493/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$114,812/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,095
−HK$3,247/mo
▼ 0.25% · 3.875%
HK$61,707
−HK$1,635/mo
Today · 4.125%
HK$63,342
baseline
▲ 0.50% · 4.625%
HK$66,681
+HK$3,339/mo
Deposit HK$5.08M · loan HK$11.84M · min. income ≈ HK$126,684/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,453
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,613
−HK$2,195/mo
Today · 4.125%
HK$73,808
baseline
▲ 0.50% · 4.625%
HK$78,299
+HK$4,491/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$147,616/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,265
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,338
−HK$2,102/mo
Today · 4.125%
HK$81,440
baseline
▲ 0.50% · 4.625%
HK$85,733
+HK$4,293/mo
Deposit HK$1.69M · loan HK$15.23M · min. income ≈ HK$162,880/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$634,549 · Scale 2, in force from 26 Feb 2026)