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$38,674
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,222/mo
Today · 4.125%
HK$41,099
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,198/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,025
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,178
−HK$1,171/mo
Today · 4.125%
HK$45,349
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,698/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,409
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,852
−HK$1,467/mo
Today · 4.125%
HK$49,319
baseline
▲ 0.50% · 4.625%
HK$52,320
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,638/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,629
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,014
−HK$1,405/mo
Today · 4.125%
HK$54,419
baseline
▲ 0.50% · 4.625%
HK$57,287
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,838/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,144
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,828
−HK$1,711/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$61,040
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,234
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,850
−HK$1,639/mo
Today · 4.125%
HK$63,489
baseline
▲ 0.50% · 4.625%
HK$66,835
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,978/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,613
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$2,200/mo
Today · 4.125%
HK$73,979
baseline
▲ 0.50% · 4.625%
HK$78,480
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,958/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,444
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,107/mo
Today · 4.125%
HK$81,628
baseline
▲ 0.50% · 4.625%
HK$85,931
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,256/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,015 · Scale 2, in force from 26 Feb 2026)