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$38,662
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,222/mo
Today · 4.125%
HK$41,086
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,172/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,011
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,164
−HK$1,171/mo
Today · 4.125%
HK$45,335
baseline
▲ 0.50% · 4.625%
HK$47,724
+HK$2,389/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,670/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,394
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,837
−HK$1,467/mo
Today · 4.125%
HK$49,304
baseline
▲ 0.50% · 4.625%
HK$52,304
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,608/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,613
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,997
−HK$1,405/mo
Today · 4.125%
HK$54,402
baseline
▲ 0.50% · 4.625%
HK$57,269
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,804/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,127
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,711/mo
Today · 4.125%
HK$57,521
baseline
▲ 0.50% · 4.625%
HK$61,021
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,042/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,215
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,830
−HK$1,639/mo
Today · 4.125%
HK$63,469
baseline
▲ 0.50% · 4.625%
HK$66,814
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,938/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,591
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,756
−HK$2,199/mo
Today · 4.125%
HK$73,955
baseline
▲ 0.50% · 4.625%
HK$78,455
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,910/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,420
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,496
−HK$2,106/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$85,904
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,815 · Scale 2, in force from 26 Feb 2026)