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$38,722
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,224/mo
Today · 4.125%
HK$41,150
baseline
▲ 0.50% · 4.625%
HK$43,654
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,300/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,078
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,233
−HK$1,172/mo
Today · 4.125%
HK$45,405
baseline
▲ 0.50% · 4.625%
HK$47,799
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,810/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,912
−HK$1,468/mo
Today · 4.125%
HK$49,380
baseline
▲ 0.50% · 4.625%
HK$52,385
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,760/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,693
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,080
−HK$1,406/mo
Today · 4.125%
HK$54,486
baseline
▲ 0.50% · 4.625%
HK$57,358
+HK$2,872/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,972/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,211
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,897
−HK$1,713/mo
Today · 4.125%
HK$57,610
baseline
▲ 0.50% · 4.625%
HK$61,116
+HK$3,506/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$115,220/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,309
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,926
−HK$1,641/mo
Today · 4.125%
HK$63,567
baseline
▲ 0.50% · 4.625%
HK$66,918
+HK$3,351/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$127,134/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,700
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,868
−HK$2,202/mo
Today · 4.125%
HK$74,070
baseline
▲ 0.50% · 4.625%
HK$78,577
+HK$4,507/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,140/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,540
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,620
−HK$2,109/mo
Today · 4.125%
HK$81,729
baseline
▲ 0.50% · 4.625%
HK$86,037
+HK$4,308/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,458/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,803 · Scale 2, in force from 26 Feb 2026)