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$38,652
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,854
−HK$1,222/mo
Today · 4.125%
HK$41,076
baseline
▲ 0.50% · 4.625%
HK$43,575
+HK$2,499/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,152/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,000
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,170/mo
Today · 4.125%
HK$45,323
baseline
▲ 0.50% · 4.625%
HK$47,712
+HK$2,389/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,646/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,382
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,825
−HK$1,466/mo
Today · 4.125%
HK$49,291
baseline
▲ 0.50% · 4.625%
HK$52,290
+HK$2,999/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,582/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,600
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,984
−HK$1,404/mo
Today · 4.125%
HK$54,388
baseline
▲ 0.50% · 4.625%
HK$57,255
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,776/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,113
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,796
−HK$1,710/mo
Today · 4.125%
HK$57,506
baseline
▲ 0.50% · 4.625%
HK$61,005
+HK$3,499/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,012/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,200
−HK$3,252/mo
▼ 0.25% · 3.875%
HK$61,815
−HK$1,637/mo
Today · 4.125%
HK$63,452
baseline
▲ 0.50% · 4.625%
HK$66,797
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,904/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,574
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,738
−HK$2,199/mo
Today · 4.125%
HK$73,937
baseline
▲ 0.50% · 4.625%
HK$78,435
+HK$4,498/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,874/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,400
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,476
−HK$2,106/mo
Today · 4.125%
HK$81,582
baseline
▲ 0.50% · 4.625%
HK$85,882
+HK$4,300/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,164/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,653 · Scale 2, in force from 26 Feb 2026)