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$38,658
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,222/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,170/mo
Today · 4.125%
HK$45,330
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,389/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,660/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,389
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,466/mo
Today · 4.125%
HK$49,298
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,596/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,404/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,263
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,121
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,711/mo
Today · 4.125%
HK$57,515
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,499/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,030/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,209
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,824
−HK$1,638/mo
Today · 4.125%
HK$63,462
baseline
▲ 0.50% · 4.625%
HK$66,807
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,924/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$2,199/mo
Today · 4.125%
HK$73,948
baseline
▲ 0.50% · 4.625%
HK$78,447
+HK$4,499/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,896/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,412
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,488
−HK$2,106/mo
Today · 4.125%
HK$81,594
baseline
▲ 0.50% · 4.625%
HK$85,895
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,188/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,748 · Scale 2, in force from 26 Feb 2026)