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$38,645
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,222/mo
Today · 4.125%
HK$41,069
baseline
▲ 0.50% · 4.625%
HK$43,568
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,138/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,146
−HK$1,169/mo
Today · 4.125%
HK$45,315
baseline
▲ 0.50% · 4.625%
HK$47,704
+HK$2,389/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,630/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,374
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,466/mo
Today · 4.125%
HK$49,283
baseline
▲ 0.50% · 4.625%
HK$52,281
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,566/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,591
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,975
−HK$1,403/mo
Today · 4.125%
HK$54,378
baseline
▲ 0.50% · 4.625%
HK$57,245
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,756/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,103
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,710/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,995
+HK$3,499/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,190
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,804
−HK$1,637/mo
Today · 4.125%
HK$63,441
baseline
▲ 0.50% · 4.625%
HK$66,786
+HK$3,345/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,882/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,562
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,725
−HK$2,199/mo
Today · 4.125%
HK$73,924
baseline
▲ 0.50% · 4.625%
HK$78,422
+HK$4,498/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,848/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,387
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,462
−HK$2,106/mo
Today · 4.125%
HK$81,568
baseline
▲ 0.50% · 4.625%
HK$85,867
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,136/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,543 · Scale 2, in force from 26 Feb 2026)