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$38,663
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,866
−HK$1,221/mo
Today · 4.125%
HK$41,087
baseline
▲ 0.50% · 4.625%
HK$43,588
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,174/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,166
−HK$1,170/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$47,726
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,396
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,839
−HK$1,466/mo
Today · 4.125%
HK$49,305
baseline
▲ 0.50% · 4.625%
HK$52,305
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,610/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,615
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,999
−HK$1,404/mo
Today · 4.125%
HK$54,403
baseline
▲ 0.50% · 4.625%
HK$57,271
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,806/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,128
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,812
−HK$1,710/mo
Today · 4.125%
HK$57,522
baseline
▲ 0.50% · 4.625%
HK$61,023
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,044/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,217
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,832
−HK$1,638/mo
Today · 4.125%
HK$63,470
baseline
▲ 0.50% · 4.625%
HK$66,816
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,940/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,593
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,758
−HK$2,199/mo
Today · 4.125%
HK$73,957
baseline
▲ 0.50% · 4.625%
HK$78,458
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,914/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,422
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,498
−HK$2,107/mo
Today · 4.125%
HK$81,605
baseline
▲ 0.50% · 4.625%
HK$85,906
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,210/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,833 · Scale 2, in force from 26 Feb 2026)