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$38,728
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,932
−HK$1,224/mo
Today · 4.125%
HK$41,156
baseline
▲ 0.50% · 4.625%
HK$43,661
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,312/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,084
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,172/mo
Today · 4.125%
HK$45,412
baseline
▲ 0.50% · 4.625%
HK$47,806
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,824/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,473
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,919
−HK$1,469/mo
Today · 4.125%
HK$49,388
baseline
▲ 0.50% · 4.625%
HK$52,393
+HK$3,005/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,776/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,701
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,088
−HK$1,406/mo
Today · 4.125%
HK$54,494
baseline
▲ 0.50% · 4.625%
HK$57,367
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,988/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,219
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,905
−HK$1,714/mo
Today · 4.125%
HK$57,619
baseline
▲ 0.50% · 4.625%
HK$61,125
+HK$3,506/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,238/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,318
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,641/mo
Today · 4.125%
HK$63,577
baseline
▲ 0.50% · 4.625%
HK$66,928
+HK$3,351/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,154/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,710
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,878
−HK$2,203/mo
Today · 4.125%
HK$74,081
baseline
▲ 0.50% · 4.625%
HK$78,589
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,162/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,552
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,632
−HK$2,110/mo
Today · 4.125%
HK$81,742
baseline
▲ 0.50% · 4.625%
HK$86,050
+HK$4,308/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,484/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,899 · Scale 2, in force from 26 Feb 2026)