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$38,691
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,895
−HK$1,222/mo
Today · 4.125%
HK$41,117
baseline
▲ 0.50% · 4.625%
HK$43,619
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,234/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$44,198
−HK$1,171/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$47,760
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,468/mo
Today · 4.125%
HK$49,341
baseline
▲ 0.50% · 4.625%
HK$52,343
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,682/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,652
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$53,037
−HK$1,406/mo
Today · 4.125%
HK$54,443
baseline
▲ 0.50% · 4.625%
HK$57,312
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,886/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,167
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$55,852
−HK$1,712/mo
Today · 4.125%
HK$57,564
baseline
▲ 0.50% · 4.625%
HK$61,067
+HK$3,503/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$115,128/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,261
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,877
−HK$1,639/mo
Today · 4.125%
HK$63,516
baseline
▲ 0.50% · 4.625%
HK$66,864
+HK$3,348/mo
Deposit HK$5.09M · loan HK$11.88M · min. income ≈ HK$127,032/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,644
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,810
−HK$2,201/mo
Today · 4.125%
HK$74,011
baseline
▲ 0.50% · 4.625%
HK$78,515
+HK$4,504/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$148,022/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,478
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,108/mo
Today · 4.125%
HK$81,664
baseline
▲ 0.50% · 4.625%
HK$85,969
+HK$4,305/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,328/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,294 · Scale 2, in force from 26 Feb 2026)