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$38,726
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,930
−HK$1,224/mo
Today · 4.125%
HK$41,154
baseline
▲ 0.50% · 4.625%
HK$43,658
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,308/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,082
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,237
−HK$1,173/mo
Today · 4.125%
HK$45,410
baseline
▲ 0.50% · 4.625%
HK$47,803
+HK$2,393/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,820/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,471
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,916
−HK$1,469/mo
Today · 4.125%
HK$49,385
baseline
▲ 0.50% · 4.625%
HK$52,390
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,770/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,698
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,085
−HK$1,407/mo
Today · 4.125%
HK$54,492
baseline
▲ 0.50% · 4.625%
HK$57,364
+HK$2,872/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,984/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,216
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,902
−HK$1,714/mo
Today · 4.125%
HK$57,616
baseline
▲ 0.50% · 4.625%
HK$61,122
+HK$3,506/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$115,232/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,315
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,932
−HK$1,641/mo
Today · 4.125%
HK$63,573
baseline
▲ 0.50% · 4.625%
HK$66,925
+HK$3,352/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$127,146/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,706
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$2,203/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$78,585
+HK$4,507/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,110/mo
Today · 4.125%
HK$81,737
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,474/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,866 · Scale 2, in force from 26 Feb 2026)