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$38,729
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,933
−HK$1,224/mo
Today · 4.125%
HK$41,157
baseline
▲ 0.50% · 4.625%
HK$43,662
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,314/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,085
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,172/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$47,807
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,474
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,920
−HK$1,469/mo
Today · 4.125%
HK$49,389
baseline
▲ 0.50% · 4.625%
HK$52,394
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,778/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,702
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,089
−HK$1,406/mo
Today · 4.125%
HK$54,495
baseline
▲ 0.50% · 4.625%
HK$57,368
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,990/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,220
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,907
−HK$1,713/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$61,126
+HK$3,506/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,319
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,937
−HK$1,641/mo
Today · 4.125%
HK$63,578
baseline
▲ 0.50% · 4.625%
HK$66,929
+HK$3,351/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,156/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,711
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,880
−HK$2,203/mo
Today · 4.125%
HK$74,083
baseline
▲ 0.50% · 4.625%
HK$78,591
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,166/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,553
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,633
−HK$2,110/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,052
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,912 · Scale 2, in force from 26 Feb 2026)