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$38,676
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,879
−HK$1,222/mo
Today · 4.125%
HK$41,101
baseline
▲ 0.50% · 4.625%
HK$43,602
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,202/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,026
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,180
−HK$1,171/mo
Today · 4.125%
HK$45,351
baseline
▲ 0.50% · 4.625%
HK$47,741
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,702/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,411
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,854
−HK$1,467/mo
Today · 4.125%
HK$49,321
baseline
▲ 0.50% · 4.625%
HK$52,322
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,642/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,632
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,016
−HK$1,405/mo
Today · 4.125%
HK$54,421
baseline
▲ 0.50% · 4.625%
HK$57,290
+HK$2,869/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,842/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,830
−HK$1,711/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$61,043
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,237
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,852
−HK$1,639/mo
Today · 4.125%
HK$63,491
baseline
▲ 0.50% · 4.625%
HK$66,838
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,982/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,616
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,782
−HK$2,200/mo
Today · 4.125%
HK$73,982
baseline
▲ 0.50% · 4.625%
HK$78,483
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,964/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,447
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,108/mo
Today · 4.125%
HK$81,632
baseline
▲ 0.50% · 4.625%
HK$85,935
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,264/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,042 · Scale 2, in force from 26 Feb 2026)