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$38,664
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,867
−HK$1,222/mo
Today · 4.125%
HK$41,089
baseline
▲ 0.50% · 4.625%
HK$43,589
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,178/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,167
−HK$1,170/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$47,727
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,397
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,466/mo
Today · 4.125%
HK$49,306
baseline
▲ 0.50% · 4.625%
HK$52,307
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,612/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,616
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,000
−HK$1,405/mo
Today · 4.125%
HK$54,405
baseline
▲ 0.50% · 4.625%
HK$57,272
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,810/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,130
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,813
−HK$1,711/mo
Today · 4.125%
HK$57,524
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,048/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,219
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,834
−HK$1,638/mo
Today · 4.125%
HK$63,472
baseline
▲ 0.50% · 4.625%
HK$66,818
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,944/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,595
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,760
−HK$2,200/mo
Today · 4.125%
HK$73,960
baseline
▲ 0.50% · 4.625%
HK$78,460
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,920/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,424
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,501
−HK$2,106/mo
Today · 4.125%
HK$81,607
baseline
▲ 0.50% · 4.625%
HK$85,909
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,214/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,851 · Scale 2, in force from 26 Feb 2026)