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$38,738
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$39,943
−HK$1,224/mo
Today · 4.125%
HK$41,167
baseline
▲ 0.50% · 4.625%
HK$43,672
+HK$2,505/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,334/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,252
−HK$1,172/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$47,819
+HK$2,395/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,486
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,469/mo
Today · 4.125%
HK$49,401
baseline
▲ 0.50% · 4.625%
HK$52,407
+HK$3,006/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$98,802/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,715
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,102
−HK$1,407/mo
Today · 4.125%
HK$54,509
baseline
▲ 0.50% · 4.625%
HK$57,382
+HK$2,873/mo
Deposit HK$6.80M · loan HK$10.19M · min. income ≈ HK$109,018/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,233
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,714/mo
Today · 4.125%
HK$57,634
baseline
▲ 0.50% · 4.625%
HK$61,141
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,268/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,334
−HK$3,260/mo
▼ 0.25% · 3.875%
HK$61,952
−HK$1,642/mo
Today · 4.125%
HK$63,594
baseline
▲ 0.50% · 4.625%
HK$66,946
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,188/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,729
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,898
−HK$2,203/mo
Today · 4.125%
HK$74,101
baseline
▲ 0.50% · 4.625%
HK$78,610
+HK$4,509/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,202/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,572
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,653
−HK$2,110/mo
Today · 4.125%
HK$81,763
baseline
▲ 0.50% · 4.625%
HK$86,073
+HK$4,310/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,526/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,070 · Scale 2, in force from 26 Feb 2026)