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$38,702
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,223/mo
Today · 4.125%
HK$41,129
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,502/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,258/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,210
−HK$1,172/mo
Today · 4.125%
HK$45,382
baseline
▲ 0.50% · 4.625%
HK$47,774
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,764/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,442
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,887
−HK$1,468/mo
Today · 4.125%
HK$49,355
baseline
▲ 0.50% · 4.625%
HK$52,358
+HK$3,003/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,710/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,667
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,052
−HK$1,406/mo
Today · 4.125%
HK$54,458
baseline
▲ 0.50% · 4.625%
HK$57,329
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,916/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,183
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,868
−HK$1,712/mo
Today · 4.125%
HK$57,580
baseline
▲ 0.50% · 4.625%
HK$61,084
+HK$3,504/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,160/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,278
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,640/mo
Today · 4.125%
HK$63,534
baseline
▲ 0.50% · 4.625%
HK$66,883
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,068/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,664
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,830
−HK$2,202/mo
Today · 4.125%
HK$74,032
baseline
▲ 0.50% · 4.625%
HK$78,537
+HK$4,505/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,064/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,500
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,578
−HK$2,109/mo
Today · 4.125%
HK$81,687
baseline
▲ 0.50% · 4.625%
HK$85,993
+HK$4,306/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,374/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,474 · Scale 2, in force from 26 Feb 2026)