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$38,668
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,222/mo
Today · 4.125%
HK$41,093
baseline
▲ 0.50% · 4.625%
HK$43,594
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,186/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,018
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$44,172
−HK$1,170/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$47,732
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,845
−HK$1,467/mo
Today · 4.125%
HK$49,312
baseline
▲ 0.50% · 4.625%
HK$52,312
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,624/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,622
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,006
−HK$1,405/mo
Today · 4.125%
HK$54,411
baseline
▲ 0.50% · 4.625%
HK$57,279
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,822/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,136
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,710/mo
Today · 4.125%
HK$57,530
baseline
▲ 0.50% · 4.625%
HK$61,031
+HK$3,501/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,060/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,225
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,638/mo
Today · 4.125%
HK$63,479
baseline
▲ 0.50% · 4.625%
HK$66,825
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,958/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,603
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,768
−HK$2,200/mo
Today · 4.125%
HK$73,968
baseline
▲ 0.50% · 4.625%
HK$78,468
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,936/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,433
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,509
−HK$2,107/mo
Today · 4.125%
HK$81,616
baseline
▲ 0.50% · 4.625%
HK$85,918
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,232/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,921 · Scale 2, in force from 26 Feb 2026)