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$38,732
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,936
−HK$1,224/mo
Today · 4.125%
HK$41,160
baseline
▲ 0.50% · 4.625%
HK$43,665
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,320/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,088
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,244
−HK$1,172/mo
Today · 4.125%
HK$45,416
baseline
▲ 0.50% · 4.625%
HK$47,810
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,832/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,478
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,924
−HK$1,468/mo
Today · 4.125%
HK$49,392
baseline
▲ 0.50% · 4.625%
HK$52,398
+HK$3,006/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,784/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,706
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,093
−HK$1,407/mo
Today · 4.125%
HK$54,500
baseline
▲ 0.50% · 4.625%
HK$57,372
+HK$2,872/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$109,000/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,224
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,911
−HK$1,714/mo
Today · 4.125%
HK$57,625
baseline
▲ 0.50% · 4.625%
HK$61,131
+HK$3,506/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,250/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,324
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,942
−HK$1,641/mo
Today · 4.125%
HK$63,583
baseline
▲ 0.50% · 4.625%
HK$66,935
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,166/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,717
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,885
−HK$2,204/mo
Today · 4.125%
HK$74,089
baseline
▲ 0.50% · 4.625%
HK$78,597
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,178/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,559
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,639
−HK$2,111/mo
Today · 4.125%
HK$81,750
baseline
▲ 0.50% · 4.625%
HK$86,059
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,500/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,961 · Scale 2, in force from 26 Feb 2026)