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$38,668
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,222/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,593
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,171/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,401
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,466/mo
Today · 4.125%
HK$49,311
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,622/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,621
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,005
−HK$1,405/mo
Today · 4.125%
HK$54,410
baseline
▲ 0.50% · 4.625%
HK$57,278
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,820/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,135
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,819
−HK$1,711/mo
Today · 4.125%
HK$57,530
baseline
▲ 0.50% · 4.625%
HK$61,030
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,060/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,224
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,638/mo
Today · 4.125%
HK$63,478
baseline
▲ 0.50% · 4.625%
HK$66,824
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,956/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,602
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$2,200/mo
Today · 4.125%
HK$73,967
baseline
▲ 0.50% · 4.625%
HK$78,467
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,934/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,431
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,107/mo
Today · 4.125%
HK$81,615
baseline
▲ 0.50% · 4.625%
HK$85,917
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,230/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,912 · Scale 2, in force from 26 Feb 2026)