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$38,683
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,886
−HK$1,222/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,502/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,034
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,171/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$47,750
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,419
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,863
−HK$1,467/mo
Today · 4.125%
HK$49,330
baseline
▲ 0.50% · 4.625%
HK$52,332
+HK$3,002/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$98,660/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,641
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,026
−HK$1,405/mo
Today · 4.125%
HK$54,431
baseline
▲ 0.50% · 4.625%
HK$57,300
+HK$2,869/mo
Deposit HK$6.79M · loan HK$10.18M · min. income ≈ HK$108,862/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,156
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$55,840
−HK$1,712/mo
Today · 4.125%
HK$57,552
baseline
▲ 0.50% · 4.625%
HK$61,054
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,104/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,248
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,863
−HK$1,640/mo
Today · 4.125%
HK$63,503
baseline
▲ 0.50% · 4.625%
HK$66,850
+HK$3,347/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$127,006/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,629
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,795
−HK$2,200/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$78,498
+HK$4,503/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,539
−HK$2,107/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$85,950
+HK$4,304/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,157 · Scale 2, in force from 26 Feb 2026)