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$38,637
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$39,838
−HK$1,221/mo
Today · 4.125%
HK$41,059
baseline
▲ 0.50% · 4.625%
HK$43,558
+HK$2,499/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$82,118/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,983
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$44,136
−HK$1,169/mo
Today · 4.125%
HK$45,305
baseline
▲ 0.50% · 4.625%
HK$47,693
+HK$2,388/mo
Deposit HK$8.47M · loan HK$8.47M · min. income ≈ HK$90,610/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,364
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,806
−HK$1,465/mo
Today · 4.125%
HK$49,271
baseline
▲ 0.50% · 4.625%
HK$52,269
+HK$2,998/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,542/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,579
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,963
−HK$1,403/mo
Today · 4.125%
HK$54,366
baseline
▲ 0.50% · 4.625%
HK$57,232
+HK$2,866/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,732/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,091
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,709/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,981
+HK$3,498/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,176
−HK$3,251/mo
▼ 0.25% · 3.875%
HK$61,790
−HK$1,637/mo
Today · 4.125%
HK$63,427
baseline
▲ 0.50% · 4.625%
HK$66,770
+HK$3,343/mo
Deposit HK$5.08M · loan HK$11.86M · min. income ≈ HK$126,854/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,546
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,709
−HK$2,198/mo
Today · 4.125%
HK$73,907
baseline
▲ 0.50% · 4.625%
HK$78,404
+HK$4,497/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$147,814/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,369
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,444
−HK$2,105/mo
Today · 4.125%
HK$81,549
baseline
▲ 0.50% · 4.625%
HK$85,848
+HK$4,299/mo
Deposit HK$1.69M · loan HK$15.25M · min. income ≈ HK$163,098/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,400 · Scale 2, in force from 26 Feb 2026)