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$38,687
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,223/mo
Today · 4.125%
HK$41,113
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,226/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,171/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,467/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$52,337
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,646
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,405/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,306
+HK$2,870/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,712/mo
Today · 4.125%
HK$57,558
baseline
▲ 0.50% · 4.625%
HK$61,060
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,116/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,254
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,870
−HK$1,639/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$66,857
+HK$3,348/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,636
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,802
−HK$2,201/mo
Today · 4.125%
HK$74,003
baseline
▲ 0.50% · 4.625%
HK$78,506
+HK$4,503/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,006/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,469
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,547
−HK$2,108/mo
Today · 4.125%
HK$81,655
baseline
▲ 0.50% · 4.625%
HK$85,959
+HK$4,304/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,310/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,222 · Scale 2, in force from 26 Feb 2026)