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$38,666
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,222/mo
Today · 4.125%
HK$41,091
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,182/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,016
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,170/mo
Today · 4.125%
HK$45,340
baseline
▲ 0.50% · 4.625%
HK$47,730
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,680/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,466/mo
Today · 4.125%
HK$49,309
baseline
▲ 0.50% · 4.625%
HK$52,310
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,618/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,619
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,404/mo
Today · 4.125%
HK$54,408
baseline
▲ 0.50% · 4.625%
HK$57,276
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,816/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,133
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,817
−HK$1,711/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$61,028
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,222
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,638/mo
Today · 4.125%
HK$63,476
baseline
▲ 0.50% · 4.625%
HK$66,822
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,952/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,600
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,765
−HK$2,199/mo
Today · 4.125%
HK$73,964
baseline
▲ 0.50% · 4.625%
HK$78,465
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,928/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,429
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,506
−HK$2,106/mo
Today · 4.125%
HK$81,612
baseline
▲ 0.50% · 4.625%
HK$85,914
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,224/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,891 · Scale 2, in force from 26 Feb 2026)