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$38,620
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,822
−HK$1,220/mo
Today · 4.125%
HK$41,042
baseline
▲ 0.50% · 4.625%
HK$43,539
+HK$2,497/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,084/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,965
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,117
−HK$1,169/mo
Today · 4.125%
HK$45,286
baseline
▲ 0.50% · 4.625%
HK$47,673
+HK$2,387/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,572/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,465/mo
Today · 4.125%
HK$49,251
baseline
▲ 0.50% · 4.625%
HK$52,247
+HK$2,996/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$98,502/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,558
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,940
−HK$1,403/mo
Today · 4.125%
HK$54,343
baseline
▲ 0.50% · 4.625%
HK$57,208
+HK$2,865/mo
Deposit HK$6.77M · loan HK$10.16M · min. income ≈ HK$108,686/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,068
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$55,750
−HK$1,709/mo
Today · 4.125%
HK$57,459
baseline
▲ 0.50% · 4.625%
HK$60,955
+HK$3,496/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,918/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,151
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,764
−HK$1,636/mo
Today · 4.125%
HK$63,400
baseline
▲ 0.50% · 4.625%
HK$66,742
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,800/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,517
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,679
−HK$2,197/mo
Today · 4.125%
HK$73,876
baseline
▲ 0.50% · 4.625%
HK$78,371
+HK$4,495/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,752/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,336
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,411
−HK$2,104/mo
Today · 4.125%
HK$81,515
baseline
▲ 0.50% · 4.625%
HK$85,811
+HK$4,296/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,030/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,131 · Scale 2, in force from 26 Feb 2026)