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$38,683
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,887
−HK$1,222/mo
Today · 4.125%
HK$41,109
baseline
▲ 0.50% · 4.625%
HK$43,611
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,218/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,035
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,189
−HK$1,171/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$47,751
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,420
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,467/mo
Today · 4.125%
HK$49,331
baseline
▲ 0.50% · 4.625%
HK$52,333
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,662/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,642
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,027
−HK$1,405/mo
Today · 4.125%
HK$54,432
baseline
▲ 0.50% · 4.625%
HK$57,301
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,864/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,841
−HK$1,712/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$61,055
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,249
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,865
−HK$1,639/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$66,851
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,630
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,796
−HK$2,201/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$78,499
+HK$4,502/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,463
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,540
−HK$2,108/mo
Today · 4.125%
HK$81,648
baseline
▲ 0.50% · 4.625%
HK$85,952
+HK$4,304/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,296/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,170 · Scale 2, in force from 26 Feb 2026)