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$38,656
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,859
−HK$1,221/mo
Today · 4.125%
HK$41,080
baseline
▲ 0.50% · 4.625%
HK$43,580
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,160/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,005
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,158
−HK$1,170/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$47,717
+HK$2,389/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,387
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,830
−HK$1,466/mo
Today · 4.125%
HK$49,296
baseline
▲ 0.50% · 4.625%
HK$52,296
+HK$3,000/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,592/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,605
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$52,989
−HK$1,405/mo
Today · 4.125%
HK$54,394
baseline
▲ 0.50% · 4.625%
HK$57,261
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,788/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,119
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,710/mo
Today · 4.125%
HK$57,512
baseline
▲ 0.50% · 4.625%
HK$61,012
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,024/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,206
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,821
−HK$1,638/mo
Today · 4.125%
HK$63,459
baseline
▲ 0.50% · 4.625%
HK$66,804
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,918/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,581
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,745
−HK$2,199/mo
Today · 4.125%
HK$73,944
baseline
▲ 0.50% · 4.625%
HK$78,444
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,888/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,408
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,106/mo
Today · 4.125%
HK$81,590
baseline
▲ 0.50% · 4.625%
HK$85,891
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,180/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,720 · Scale 2, in force from 26 Feb 2026)