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$38,623
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,825
−HK$1,220/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,498/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,968
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,169/mo
Today · 4.125%
HK$45,289
baseline
▲ 0.50% · 4.625%
HK$47,677
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,578/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,790
−HK$1,464/mo
Today · 4.125%
HK$49,254
baseline
▲ 0.50% · 4.625%
HK$52,251
+HK$2,997/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$98,508/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,562
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,944
−HK$1,403/mo
Today · 4.125%
HK$54,347
baseline
▲ 0.50% · 4.625%
HK$57,212
+HK$2,865/mo
Deposit HK$6.78M · loan HK$10.16M · min. income ≈ HK$108,694/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,073
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$55,755
−HK$1,708/mo
Today · 4.125%
HK$57,463
baseline
▲ 0.50% · 4.625%
HK$60,960
+HK$3,497/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,926/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,155
−HK$3,250/mo
▼ 0.25% · 3.875%
HK$61,769
−HK$1,636/mo
Today · 4.125%
HK$63,405
baseline
▲ 0.50% · 4.625%
HK$66,747
+HK$3,342/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,810/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,522
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,684
−HK$2,197/mo
Today · 4.125%
HK$73,881
baseline
▲ 0.50% · 4.625%
HK$78,377
+HK$4,496/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$147,762/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,342
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,417
−HK$2,104/mo
Today · 4.125%
HK$81,521
baseline
▲ 0.50% · 4.625%
HK$85,818
+HK$4,297/mo
Deposit HK$1.69M · loan HK$15.24M · min. income ≈ HK$163,042/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,180 · Scale 2, in force from 26 Feb 2026)