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$38,685
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,889
−HK$1,222/mo
Today · 4.125%
HK$41,111
baseline
▲ 0.50% · 4.625%
HK$43,613
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,222/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,037
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,191
−HK$1,171/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$47,753
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,422
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,866
−HK$1,467/mo
Today · 4.125%
HK$49,333
baseline
▲ 0.50% · 4.625%
HK$52,335
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,666/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,644
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,029
−HK$1,406/mo
Today · 4.125%
HK$54,435
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,870/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,159
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,844
−HK$1,712/mo
Today · 4.125%
HK$57,556
baseline
▲ 0.50% · 4.625%
HK$61,058
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,112/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,252
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,868
−HK$1,639/mo
Today · 4.125%
HK$63,507
baseline
▲ 0.50% · 4.625%
HK$66,854
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,014/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,633
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,799
−HK$2,201/mo
Today · 4.125%
HK$74,000
baseline
▲ 0.50% · 4.625%
HK$78,503
+HK$4,503/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,000/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,466
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,108/mo
Today · 4.125%
HK$81,652
baseline
▲ 0.50% · 4.625%
HK$85,956
+HK$4,304/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,304/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,199 · Scale 2, in force from 26 Feb 2026)