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$38,682
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,885
−HK$1,223/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,609
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,033
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,187
−HK$1,171/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$47,749
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,418
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,862
−HK$1,467/mo
Today · 4.125%
HK$49,329
baseline
▲ 0.50% · 4.625%
HK$52,331
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,658/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,640
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,025
−HK$1,405/mo
Today · 4.125%
HK$54,430
baseline
▲ 0.50% · 4.625%
HK$57,299
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,860/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,155
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,839
−HK$1,712/mo
Today · 4.125%
HK$57,551
baseline
▲ 0.50% · 4.625%
HK$61,053
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,102/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,247
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,862
−HK$1,640/mo
Today · 4.125%
HK$63,502
baseline
▲ 0.50% · 4.625%
HK$66,849
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$127,004/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,627
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$2,201/mo
Today · 4.125%
HK$73,994
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$4,502/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,988/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,460
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,108/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$85,948
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,145 · Scale 2, in force from 26 Feb 2026)