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$38,658
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,222/mo
Today · 4.125%
HK$41,083
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,499/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$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,007
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,161
−HK$1,170/mo
Today · 4.125%
HK$45,331
baseline
▲ 0.50% · 4.625%
HK$47,720
+HK$2,389/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$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,466/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,759 · 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$57,264
+HK$2,867/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$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,122
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,805
−HK$1,711/mo
Today · 4.125%
HK$57,516
baseline
▲ 0.50% · 4.625%
HK$61,015
+HK$3,499/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$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,210
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,825
−HK$1,638/mo
Today · 4.125%
HK$63,463
baseline
▲ 0.50% · 4.625%
HK$66,808
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,926/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,585
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,750
−HK$2,199/mo
Today · 4.125%
HK$73,949
baseline
▲ 0.50% · 4.625%
HK$78,448
+HK$4,499/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,898/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,413
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,489
−HK$2,106/mo
Today · 4.125%
HK$81,595
baseline
▲ 0.50% · 4.625%
HK$85,896
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,190/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,759 · Scale 2, in force from 26 Feb 2026)