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$38,657
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,221/mo
Today · 4.125%
HK$41,081
baseline
▲ 0.50% · 4.625%
HK$43,581
+HK$2,500/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,162/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$44,159
−HK$1,170/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$47,719
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,389
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,466/mo
Today · 4.125%
HK$49,298
baseline
▲ 0.50% · 4.625%
HK$52,297
+HK$2,999/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$98,596/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,607
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,991
−HK$1,404/mo
Today · 4.125%
HK$54,395
baseline
▲ 0.50% · 4.625%
HK$57,262
+HK$2,867/mo
Deposit HK$6.78M · loan HK$10.17M · min. income ≈ HK$108,790/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,120
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,710/mo
Today · 4.125%
HK$57,514
baseline
▲ 0.50% · 4.625%
HK$61,014
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,028/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,208
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$61,823
−HK$1,638/mo
Today · 4.125%
HK$63,461
baseline
▲ 0.50% · 4.625%
HK$66,806
+HK$3,345/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,922/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,583
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,747
−HK$2,199/mo
Today · 4.125%
HK$73,946
baseline
▲ 0.50% · 4.625%
HK$78,446
+HK$4,500/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,892/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,410
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,487
−HK$2,106/mo
Today · 4.125%
HK$81,593
baseline
▲ 0.50% · 4.625%
HK$85,894
+HK$4,301/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,186/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,739 · Scale 2, in force from 26 Feb 2026)