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$38,671
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,222/mo
Today · 4.125%
HK$41,096
baseline
▲ 0.50% · 4.625%
HK$43,597
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,192/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,021
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,175
−HK$1,171/mo
Today · 4.125%
HK$45,346
baseline
▲ 0.50% · 4.625%
HK$47,736
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,692/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,405
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,466/mo
Today · 4.125%
HK$49,315
baseline
▲ 0.50% · 4.625%
HK$52,316
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,630/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,010
−HK$1,405/mo
Today · 4.125%
HK$54,415
baseline
▲ 0.50% · 4.625%
HK$57,283
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,830/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,140
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,824
−HK$1,711/mo
Today · 4.125%
HK$57,535
baseline
▲ 0.50% · 4.625%
HK$61,035
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,070/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,230
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,845
−HK$1,639/mo
Today · 4.125%
HK$63,484
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,968/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,608
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,773
−HK$2,200/mo
Today · 4.125%
HK$73,973
baseline
▲ 0.50% · 4.625%
HK$78,474
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,946/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,438
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,515
−HK$2,107/mo
Today · 4.125%
HK$81,622
baseline
▲ 0.50% · 4.625%
HK$85,924
+HK$4,302/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,244/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,967 · Scale 2, in force from 26 Feb 2026)