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$38,704
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,908
−HK$1,223/mo
Today · 4.125%
HK$41,131
baseline
▲ 0.50% · 4.625%
HK$43,634
+HK$2,503/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,262/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,058
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,171/mo
Today · 4.125%
HK$45,384
baseline
▲ 0.50% · 4.625%
HK$47,776
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,768/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,890
−HK$1,467/mo
Today · 4.125%
HK$49,357
baseline
▲ 0.50% · 4.625%
HK$52,361
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,714/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,669
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$53,055
−HK$1,406/mo
Today · 4.125%
HK$54,461
baseline
▲ 0.50% · 4.625%
HK$57,332
+HK$2,871/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,922/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,186
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$55,871
−HK$1,713/mo
Today · 4.125%
HK$57,584
baseline
▲ 0.50% · 4.625%
HK$61,087
+HK$3,503/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,168/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,281
−HK$3,257/mo
▼ 0.25% · 3.875%
HK$61,898
−HK$1,640/mo
Today · 4.125%
HK$63,538
baseline
▲ 0.50% · 4.625%
HK$66,887
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,076/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,667
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,834
−HK$2,202/mo
Today · 4.125%
HK$74,036
baseline
▲ 0.50% · 4.625%
HK$78,541
+HK$4,505/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,072/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,504
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,583
−HK$2,109/mo
Today · 4.125%
HK$81,692
baseline
▲ 0.50% · 4.625%
HK$85,998
+HK$4,306/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,384/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,509 · Scale 2, in force from 26 Feb 2026)