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$38,730
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,934
−HK$1,224/mo
Today · 4.125%
HK$41,158
baseline
▲ 0.50% · 4.625%
HK$43,663
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,316/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,086
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,172/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$47,808
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,921
−HK$1,469/mo
Today · 4.125%
HK$49,390
baseline
▲ 0.50% · 4.625%
HK$52,395
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,780/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,704
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,090
−HK$1,407/mo
Today · 4.125%
HK$54,497
baseline
▲ 0.50% · 4.625%
HK$57,370
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,994/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,908
−HK$1,714/mo
Today · 4.125%
HK$57,622
baseline
▲ 0.50% · 4.625%
HK$61,128
+HK$3,506/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,244/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,321
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,939
−HK$1,641/mo
Today · 4.125%
HK$63,580
baseline
▲ 0.50% · 4.625%
HK$66,931
+HK$3,351/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,160/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,713
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,882
−HK$2,203/mo
Today · 4.125%
HK$74,085
baseline
▲ 0.50% · 4.625%
HK$78,593
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,170/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,555
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,110/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,929 · Scale 2, in force from 26 Feb 2026)