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$38,674
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,222/mo
Today · 4.125%
HK$41,099
baseline
▲ 0.50% · 4.625%
HK$43,600
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,198/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,024
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,178
−HK$1,170/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,408
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,852
−HK$1,467/mo
Today · 4.125%
HK$49,319
baseline
▲ 0.50% · 4.625%
HK$52,319
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,638/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,629
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,013
−HK$1,405/mo
Today · 4.125%
HK$54,418
baseline
▲ 0.50% · 4.625%
HK$57,287
+HK$2,869/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,836/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,143
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,711/mo
Today · 4.125%
HK$57,538
baseline
▲ 0.50% · 4.625%
HK$61,039
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,076/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,234
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,849
−HK$1,639/mo
Today · 4.125%
HK$63,488
baseline
▲ 0.50% · 4.625%
HK$66,834
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,976/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,613
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,778
−HK$2,200/mo
Today · 4.125%
HK$73,978
baseline
▲ 0.50% · 4.625%
HK$78,479
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,956/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,443
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,107/mo
Today · 4.125%
HK$81,627
baseline
▲ 0.50% · 4.625%
HK$85,930
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,254/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,008 · Scale 2, in force from 26 Feb 2026)