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$38,711
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,915
−HK$1,223/mo
Today · 4.125%
HK$41,138
baseline
▲ 0.50% · 4.625%
HK$43,642
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,276/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,066
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,171/mo
Today · 4.125%
HK$45,392
baseline
▲ 0.50% · 4.625%
HK$47,785
+HK$2,393/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,784/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,898
−HK$1,468/mo
Today · 4.125%
HK$49,366
baseline
▲ 0.50% · 4.625%
HK$52,370
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,732/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,679
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,065
−HK$1,406/mo
Today · 4.125%
HK$54,471
baseline
▲ 0.50% · 4.625%
HK$57,342
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,942/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,195
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,713/mo
Today · 4.125%
HK$57,594
baseline
▲ 0.50% · 4.625%
HK$61,098
+HK$3,504/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,188/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,292
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,909
−HK$1,640/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$66,899
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,680
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,847
−HK$2,202/mo
Today · 4.125%
HK$74,049
baseline
▲ 0.50% · 4.625%
HK$78,555
+HK$4,506/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,098/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,518
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,597
−HK$2,109/mo
Today · 4.125%
HK$81,706
baseline
▲ 0.50% · 4.625%
HK$86,013
+HK$4,307/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,412/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,622 · Scale 2, in force from 26 Feb 2026)