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$38,670
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,222/mo
Today · 4.125%
HK$41,094
baseline
▲ 0.50% · 4.625%
HK$43,595
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,188/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,019
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,173
−HK$1,171/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$47,734
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,403
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,847
−HK$1,466/mo
Today · 4.125%
HK$49,313
baseline
▲ 0.50% · 4.625%
HK$52,314
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,626/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,623
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,008
−HK$1,404/mo
Today · 4.125%
HK$54,412
baseline
▲ 0.50% · 4.625%
HK$57,281
+HK$2,869/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,824/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,821
−HK$1,711/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$61,033
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,227
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,843
−HK$1,638/mo
Today · 4.125%
HK$63,481
baseline
▲ 0.50% · 4.625%
HK$66,827
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,962/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,605
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,770
−HK$2,200/mo
Today · 4.125%
HK$73,970
baseline
▲ 0.50% · 4.625%
HK$78,471
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,940/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,435
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,512
−HK$2,107/mo
Today · 4.125%
HK$81,619
baseline
▲ 0.50% · 4.625%
HK$85,921
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,238/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,941 · Scale 2, in force from 26 Feb 2026)