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$38,703
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,907
−HK$1,223/mo
Today · 4.125%
HK$41,130
baseline
▲ 0.50% · 4.625%
HK$43,632
+HK$2,502/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,260/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,172/mo
Today · 4.125%
HK$45,383
baseline
▲ 0.50% · 4.625%
HK$47,775
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,766/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,443
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,888
−HK$1,468/mo
Today · 4.125%
HK$49,356
baseline
▲ 0.50% · 4.625%
HK$52,359
+HK$3,003/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,712/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,668
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,053
−HK$1,406/mo
Today · 4.125%
HK$54,459
baseline
▲ 0.50% · 4.625%
HK$57,330
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,918/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,869
−HK$1,713/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$61,085
+HK$3,503/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,279
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,895
−HK$1,641/mo
Today · 4.125%
HK$63,536
baseline
▲ 0.50% · 4.625%
HK$66,885
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,072/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,665
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,832
−HK$2,201/mo
Today · 4.125%
HK$74,033
baseline
▲ 0.50% · 4.625%
HK$78,538
+HK$4,505/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,066/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,501
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,580
−HK$2,109/mo
Today · 4.125%
HK$81,689
baseline
▲ 0.50% · 4.625%
HK$85,994
+HK$4,305/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,378/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,486 · Scale 2, in force from 26 Feb 2026)