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$38,701
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$39,905
−HK$1,223/mo
Today · 4.125%
HK$41,128
baseline
▲ 0.50% · 4.625%
HK$43,631
+HK$2,503/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,256/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,055
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,172/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$47,773
+HK$2,392/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$47,886
−HK$1,468/mo
Today · 4.125%
HK$49,354
baseline
▲ 0.50% · 4.625%
HK$52,357
+HK$3,003/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,708/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,666
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,051
−HK$1,406/mo
Today · 4.125%
HK$54,457
baseline
▲ 0.50% · 4.625%
HK$57,327
+HK$2,870/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,914/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,182
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,867
−HK$1,712/mo
Today · 4.125%
HK$57,579
baseline
▲ 0.50% · 4.625%
HK$61,083
+HK$3,504/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,158/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,277
−HK$3,256/mo
▼ 0.25% · 3.875%
HK$61,893
−HK$1,640/mo
Today · 4.125%
HK$63,533
baseline
▲ 0.50% · 4.625%
HK$66,882
+HK$3,349/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,066/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,662
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$2,202/mo
Today · 4.125%
HK$74,031
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$4,504/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,062/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,498
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,577
−HK$2,108/mo
Today · 4.125%
HK$81,685
baseline
▲ 0.50% · 4.625%
HK$85,991
+HK$4,306/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,370/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,462 · Scale 2, in force from 26 Feb 2026)