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$38,739
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,944
−HK$1,224/mo
Today · 4.125%
HK$41,168
baseline
▲ 0.50% · 4.625%
HK$43,673
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,336/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,097
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,253
−HK$1,172/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$47,820
+HK$2,395/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,487
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,933
−HK$1,469/mo
Today · 4.125%
HK$49,402
baseline
▲ 0.50% · 4.625%
HK$52,408
+HK$3,006/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,804/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,716
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,103
−HK$1,407/mo
Today · 4.125%
HK$54,510
baseline
▲ 0.50% · 4.625%
HK$57,384
+HK$2,874/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,020/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,235
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,922
−HK$1,714/mo
Today · 4.125%
HK$57,636
baseline
▲ 0.50% · 4.625%
HK$61,143
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,272/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,336
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,954
−HK$1,641/mo
Today · 4.125%
HK$63,595
baseline
▲ 0.50% · 4.625%
HK$66,948
+HK$3,353/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,190/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,730
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$2,204/mo
Today · 4.125%
HK$74,103
baseline
▲ 0.50% · 4.625%
HK$78,612
+HK$4,509/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,206/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,574
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,655
−HK$2,110/mo
Today · 4.125%
HK$81,765
baseline
▲ 0.50% · 4.625%
HK$86,075
+HK$4,310/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,530/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,085 · Scale 2, in force from 26 Feb 2026)