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$38,647
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$39,849
−HK$1,221/mo
Today · 4.125%
HK$41,070
baseline
▲ 0.50% · 4.625%
HK$43,569
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,140/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,994
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,147
−HK$1,170/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$47,706
+HK$2,389/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$47,819
−HK$1,465/mo
Today · 4.125%
HK$49,284
baseline
▲ 0.50% · 4.625%
HK$52,283
+HK$2,999/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,568/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,593
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,977
−HK$1,403/mo
Today · 4.125%
HK$54,380
baseline
▲ 0.50% · 4.625%
HK$57,247
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,760/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,106
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,709/mo
Today · 4.125%
HK$57,498
baseline
▲ 0.50% · 4.625%
HK$60,997
+HK$3,499/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,996/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,192
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,806
−HK$1,638/mo
Today · 4.125%
HK$63,444
baseline
▲ 0.50% · 4.625%
HK$66,788
+HK$3,344/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,888/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,564
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,728
−HK$2,199/mo
Today · 4.125%
HK$73,927
baseline
▲ 0.50% · 4.625%
HK$78,425
+HK$4,498/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,854/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,390
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,465
−HK$2,106/mo
Today · 4.125%
HK$81,571
baseline
▲ 0.50% · 4.625%
HK$85,870
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,142/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,568 · Scale 2, in force from 26 Feb 2026)