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$38,659
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,222/mo
Today · 4.125%
HK$41,083
baseline
▲ 0.50% · 4.625%
HK$43,583
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,166/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,008
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,161
−HK$1,170/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$47,721
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,662/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,834
−HK$1,466/mo
Today · 4.125%
HK$49,300
baseline
▲ 0.50% · 4.625%
HK$52,300
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,600/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,404/mo
Today · 4.125%
HK$54,397
baseline
▲ 0.50% · 4.625%
HK$57,265
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,794/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,122
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,806
−HK$1,710/mo
Today · 4.125%
HK$57,516
baseline
▲ 0.50% · 4.625%
HK$61,016
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,032/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,211
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,825
−HK$1,639/mo
Today · 4.125%
HK$63,464
baseline
▲ 0.50% · 4.625%
HK$66,809
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,928/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,586
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,750
−HK$2,200/mo
Today · 4.125%
HK$73,950
baseline
▲ 0.50% · 4.625%
HK$78,449
+HK$4,499/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,900/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,414
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,490
−HK$2,106/mo
Today · 4.125%
HK$81,596
baseline
▲ 0.50% · 4.625%
HK$85,897
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,192/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,765 · Scale 2, in force from 26 Feb 2026)