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$38,707
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,911
−HK$1,224/mo
Today · 4.125%
HK$41,135
baseline
▲ 0.50% · 4.625%
HK$43,638
+HK$2,503/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,270/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,062
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,216
−HK$1,172/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$47,780
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,449
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,894
−HK$1,468/mo
Today · 4.125%
HK$49,362
baseline
▲ 0.50% · 4.625%
HK$52,365
+HK$3,003/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,724/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,674
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,060
−HK$1,406/mo
Today · 4.125%
HK$54,466
baseline
▲ 0.50% · 4.625%
HK$57,337
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,932/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,190
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,876
−HK$1,712/mo
Today · 4.125%
HK$57,588
baseline
▲ 0.50% · 4.625%
HK$61,093
+HK$3,505/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,176/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,286
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,903
−HK$1,640/mo
Today · 4.125%
HK$63,543
baseline
▲ 0.50% · 4.625%
HK$66,893
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,086/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,673
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,840
−HK$2,202/mo
Today · 4.125%
HK$74,042
baseline
▲ 0.50% · 4.625%
HK$78,548
+HK$4,506/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,084/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,511
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,590
−HK$2,108/mo
Today · 4.125%
HK$81,698
baseline
▲ 0.50% · 4.625%
HK$86,005
+HK$4,307/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,396/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,563 · Scale 2, in force from 26 Feb 2026)