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$38,720
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,224/mo
Today · 4.125%
HK$41,149
baseline
▲ 0.50% · 4.625%
HK$43,652
+HK$2,503/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,298/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,076
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,231
−HK$1,172/mo
Today · 4.125%
HK$45,403
baseline
▲ 0.50% · 4.625%
HK$47,797
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,806/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,465
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,910
−HK$1,468/mo
Today · 4.125%
HK$49,378
baseline
▲ 0.50% · 4.625%
HK$52,383
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,756/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,691
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,078
−HK$1,406/mo
Today · 4.125%
HK$54,484
baseline
▲ 0.50% · 4.625%
HK$57,356
+HK$2,872/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,968/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,209
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,713/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$61,113
+HK$3,505/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,307
−HK$3,258/mo
▼ 0.25% · 3.875%
HK$61,924
−HK$1,641/mo
Today · 4.125%
HK$63,565
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$127,130/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$2,202/mo
Today · 4.125%
HK$74,067
baseline
▲ 0.50% · 4.625%
HK$78,574
+HK$4,507/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,134/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,537
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,617
−HK$2,109/mo
Today · 4.125%
HK$81,726
baseline
▲ 0.50% · 4.625%
HK$86,034
+HK$4,308/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,452/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,779 · Scale 2, in force from 26 Feb 2026)