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$2,426/mo
▼ 0.25% · 3.875%
HK$39,884
−HK$1,223/mo
Today · 4.125%
HK$41,107
baseline
▲ 0.50% · 4.625%
HK$43,608
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,214/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,130 · 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$47,748
+HK$2,391/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$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,861
−HK$1,467/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$52,330
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,639
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,024
−HK$1,405/mo
Today · 4.125%
HK$54,429
baseline
▲ 0.50% · 4.625%
HK$57,298
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,858/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,153
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,838
−HK$1,711/mo
Today · 4.125%
HK$57,549
baseline
▲ 0.50% · 4.625%
HK$61,051
+HK$3,502/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$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,245
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,861
−HK$1,639/mo
Today · 4.125%
HK$63,500
baseline
▲ 0.50% · 4.625%
HK$66,847
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$127,000/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,626
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,792
−HK$2,200/mo
Today · 4.125%
HK$73,992
baseline
▲ 0.50% · 4.625%
HK$78,494
+HK$4,502/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,984/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,458
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,535
−HK$2,108/mo
Today · 4.125%
HK$81,643
baseline
▲ 0.50% · 4.625%
HK$85,946
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,286/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,130 · Scale 2, in force from 26 Feb 2026)