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$38,734
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,938
−HK$1,224/mo
Today · 4.125%
HK$41,162
baseline
▲ 0.50% · 4.625%
HK$43,667
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,324/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,091
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,173/mo
Today · 4.125%
HK$45,419
baseline
▲ 0.50% · 4.625%
HK$47,813
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,838/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,926
−HK$1,469/mo
Today · 4.125%
HK$49,395
baseline
▲ 0.50% · 4.625%
HK$52,401
+HK$3,006/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,790/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,709
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,096
−HK$1,406/mo
Today · 4.125%
HK$54,502
baseline
▲ 0.50% · 4.625%
HK$57,375
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$109,004/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,227
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,713/mo
Today · 4.125%
HK$57,627
baseline
▲ 0.50% · 4.625%
HK$61,134
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,254/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,327
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,945
−HK$1,641/mo
Today · 4.125%
HK$63,586
baseline
▲ 0.50% · 4.625%
HK$66,938
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,172/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,889
−HK$2,203/mo
Today · 4.125%
HK$74,092
baseline
▲ 0.50% · 4.625%
HK$78,601
+HK$4,509/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,184/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,563
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,643
−HK$2,111/mo
Today · 4.125%
HK$81,754
baseline
▲ 0.50% · 4.625%
HK$86,063
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,508/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,993 · Scale 2, in force from 26 Feb 2026)