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$38,725
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,929
−HK$1,224/mo
Today · 4.125%
HK$41,153
baseline
▲ 0.50% · 4.625%
HK$43,657
+HK$2,504/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$82,306/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,081
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,172/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$47,802
+HK$2,394/mo
Deposit HK$8.49M · loan HK$8.49M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,469
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,915
−HK$1,469/mo
Today · 4.125%
HK$49,384
baseline
▲ 0.50% · 4.625%
HK$52,388
+HK$3,004/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$98,768/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,697
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,083
−HK$1,407/mo
Today · 4.125%
HK$54,490
baseline
▲ 0.50% · 4.625%
HK$57,362
+HK$2,872/mo
Deposit HK$6.79M · loan HK$10.19M · min. income ≈ HK$108,980/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,214
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$55,901
−HK$1,713/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$61,120
+HK$3,506/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,313
−HK$3,259/mo
▼ 0.25% · 3.875%
HK$61,931
−HK$1,641/mo
Today · 4.125%
HK$63,572
baseline
▲ 0.50% · 4.625%
HK$66,922
+HK$3,350/mo
Deposit HK$5.09M · loan HK$11.89M · min. income ≈ HK$127,144/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,704
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,872
−HK$2,203/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$78,583
+HK$4,508/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,545
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,625
−HK$2,110/mo
Today · 4.125%
HK$81,735
baseline
▲ 0.50% · 4.625%
HK$86,043
+HK$4,308/mo
Deposit HK$1.70M · loan HK$15.28M · min. income ≈ HK$163,470/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$636,846 · Scale 2, in force from 26 Feb 2026)