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$38,673
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,876
−HK$1,222/mo
Today · 4.125%
HK$41,098
baseline
▲ 0.50% · 4.625%
HK$43,599
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,196/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,023
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,170/mo
Today · 4.125%
HK$45,347
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,694/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,851
−HK$1,466/mo
Today · 4.125%
HK$49,317
baseline
▲ 0.50% · 4.625%
HK$52,318
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,634/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,628
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,012
−HK$1,405/mo
Today · 4.125%
HK$54,417
baseline
▲ 0.50% · 4.625%
HK$57,285
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,834/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,142
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,826
−HK$1,711/mo
Today · 4.125%
HK$57,537
baseline
▲ 0.50% · 4.625%
HK$61,038
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,074/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,232
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,848
−HK$1,638/mo
Today · 4.125%
HK$63,486
baseline
▲ 0.50% · 4.625%
HK$66,833
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,972/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,611
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,776
−HK$2,200/mo
Today · 4.125%
HK$73,976
baseline
▲ 0.50% · 4.625%
HK$78,477
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,952/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,441
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,518
−HK$2,107/mo
Today · 4.125%
HK$81,625
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,250/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,994 · Scale 2, in force from 26 Feb 2026)