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$38,686
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,222/mo
Today · 4.125%
HK$41,112
baseline
▲ 0.50% · 4.625%
HK$43,614
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,224/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,192
−HK$1,171/mo
Today · 4.125%
HK$45,363
baseline
▲ 0.50% · 4.625%
HK$47,755
+HK$2,392/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,726/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,868
−HK$1,467/mo
Today · 4.125%
HK$49,335
baseline
▲ 0.50% · 4.625%
HK$52,337
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,670/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,646
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,031
−HK$1,405/mo
Today · 4.125%
HK$54,436
baseline
▲ 0.50% · 4.625%
HK$57,305
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,872/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,846
−HK$1,711/mo
Today · 4.125%
HK$57,557
baseline
▲ 0.50% · 4.625%
HK$61,059
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,114/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,253
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,869
−HK$1,640/mo
Today · 4.125%
HK$63,509
baseline
▲ 0.50% · 4.625%
HK$66,856
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,635
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,801
−HK$2,201/mo
Today · 4.125%
HK$74,002
baseline
▲ 0.50% · 4.625%
HK$78,505
+HK$4,503/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,004/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,469
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,546
−HK$2,108/mo
Today · 4.125%
HK$81,654
baseline
▲ 0.50% · 4.625%
HK$85,958
+HK$4,304/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,308/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,217 · Scale 2, in force from 26 Feb 2026)