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$38,667
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,870
−HK$1,222/mo
Today · 4.125%
HK$41,092
baseline
▲ 0.50% · 4.625%
HK$43,592
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,184/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,017
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,171/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$47,731
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,466/mo
Today · 4.125%
HK$49,310
baseline
▲ 0.50% · 4.625%
HK$52,310
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,620/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,620
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,004
−HK$1,405/mo
Today · 4.125%
HK$54,409
baseline
▲ 0.50% · 4.625%
HK$57,277
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,818/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,134
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,818
−HK$1,710/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$61,029
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,223
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,838
−HK$1,639/mo
Today · 4.125%
HK$63,477
baseline
▲ 0.50% · 4.625%
HK$66,823
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,954/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,600
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,765
−HK$2,200/mo
Today · 4.125%
HK$73,965
baseline
▲ 0.50% · 4.625%
HK$78,466
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,930/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,430
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,506
−HK$2,107/mo
Today · 4.125%
HK$81,613
baseline
▲ 0.50% · 4.625%
HK$85,915
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,226/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,898 · Scale 2, in force from 26 Feb 2026)