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$38,735
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$39,940
−HK$1,225/mo
Today · 4.125%
HK$41,165
baseline
▲ 0.50% · 4.625%
HK$43,669
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,330/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,093
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$44,249
−HK$1,172/mo
Today · 4.125%
HK$45,421
baseline
▲ 0.50% · 4.625%
HK$47,815
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,842/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$47,928
−HK$1,469/mo
Today · 4.125%
HK$49,397
baseline
▲ 0.50% · 4.625%
HK$52,403
+HK$3,006/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,794/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,711
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,098
−HK$1,407/mo
Today · 4.125%
HK$54,505
baseline
▲ 0.50% · 4.625%
HK$57,378
+HK$2,873/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$109,010/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,230
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,916
−HK$1,714/mo
Today · 4.125%
HK$57,630
baseline
▲ 0.50% · 4.625%
HK$61,137
+HK$3,507/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$115,260/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,330
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,948
−HK$1,641/mo
Today · 4.125%
HK$63,589
baseline
▲ 0.50% · 4.625%
HK$66,941
+HK$3,352/mo
Deposit HK$5.10M · loan HK$11.89M · min. income ≈ HK$127,178/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,724
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,893
−HK$2,203/mo
Today · 4.125%
HK$74,096
baseline
▲ 0.50% · 4.625%
HK$78,605
+HK$4,509/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$148,192/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,567
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,647
−HK$2,111/mo
Today · 4.125%
HK$81,758
baseline
▲ 0.50% · 4.625%
HK$86,067
+HK$4,309/mo
Deposit HK$1.70M · loan HK$15.29M · min. income ≈ HK$163,516/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,025 · Scale 2, in force from 26 Feb 2026)