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$38,681
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,884
−HK$1,222/mo
Today · 4.125%
HK$41,106
baseline
▲ 0.50% · 4.625%
HK$43,607
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,212/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,186
−HK$1,171/mo
Today · 4.125%
HK$45,357
baseline
▲ 0.50% · 4.625%
HK$47,747
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,714/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,860
−HK$1,467/mo
Today · 4.125%
HK$49,327
baseline
▲ 0.50% · 4.625%
HK$52,329
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,654/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,405/mo
Today · 4.125%
HK$54,428
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,856/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,153
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,837
−HK$1,712/mo
Today · 4.125%
HK$57,549
baseline
▲ 0.50% · 4.625%
HK$61,050
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,098/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,244
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,860
−HK$1,639/mo
Today · 4.125%
HK$63,499
baseline
▲ 0.50% · 4.625%
HK$66,846
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,998/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,625
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,791
−HK$2,200/mo
Today · 4.125%
HK$73,991
baseline
▲ 0.50% · 4.625%
HK$78,493
+HK$4,502/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,982/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,534
−HK$2,108/mo
Today · 4.125%
HK$81,642
baseline
▲ 0.50% · 4.625%
HK$85,945
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,284/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,122 · Scale 2, in force from 26 Feb 2026)