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$38,701
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,905
−HK$1,223/mo
Today · 4.125%
HK$41,128
baseline
▲ 0.50% · 4.625%
HK$43,630
+HK$2,502/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,256/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,054
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,171/mo
Today · 4.125%
HK$45,380
baseline
▲ 0.50% · 4.625%
HK$47,772
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,760/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,886
−HK$1,467/mo
Today · 4.125%
HK$49,353
baseline
▲ 0.50% · 4.625%
HK$52,356
+HK$3,003/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,706/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,665
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,405/mo
Today · 4.125%
HK$54,456
baseline
▲ 0.50% · 4.625%
HK$57,327
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,912/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,866
−HK$1,713/mo
Today · 4.125%
HK$57,579
baseline
▲ 0.50% · 4.625%
HK$61,082
+HK$3,503/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,158/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,276
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,892
−HK$1,640/mo
Today · 4.125%
HK$63,532
baseline
▲ 0.50% · 4.625%
HK$66,881
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,064/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,661
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,828
−HK$2,202/mo
Today · 4.125%
HK$74,030
baseline
▲ 0.50% · 4.625%
HK$78,534
+HK$4,504/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,060/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,576
−HK$2,109/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$85,990
+HK$4,305/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,455 · Scale 2, in force from 26 Feb 2026)