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$38,714
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,918
−HK$1,223/mo
Today · 4.125%
HK$41,141
baseline
▲ 0.50% · 4.625%
HK$43,645
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,282/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,069
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,224
−HK$1,172/mo
Today · 4.125%
HK$45,396
baseline
▲ 0.50% · 4.625%
HK$47,788
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,792/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,902
−HK$1,468/mo
Today · 4.125%
HK$49,370
baseline
▲ 0.50% · 4.625%
HK$52,374
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,740/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,682
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,069
−HK$1,406/mo
Today · 4.125%
HK$54,475
baseline
▲ 0.50% · 4.625%
HK$57,346
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,950/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,199
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,885
−HK$1,713/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$61,103
+HK$3,505/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,296
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,913
−HK$1,641/mo
Today · 4.125%
HK$63,554
baseline
▲ 0.50% · 4.625%
HK$66,904
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,108/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,852
−HK$2,203/mo
Today · 4.125%
HK$74,055
baseline
▲ 0.50% · 4.625%
HK$78,561
+HK$4,506/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,110/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,524
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,603
−HK$2,109/mo
Today · 4.125%
HK$81,712
baseline
▲ 0.50% · 4.625%
HK$86,019
+HK$4,307/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,424/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,669 · Scale 2, in force from 26 Feb 2026)