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$38,670
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$39,873
−HK$1,222/mo
Today · 4.125%
HK$41,095
baseline
▲ 0.50% · 4.625%
HK$43,596
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,190/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,020
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,174
−HK$1,171/mo
Today · 4.125%
HK$45,345
baseline
▲ 0.50% · 4.625%
HK$47,735
+HK$2,390/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,690/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,405
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,466/mo
Today · 4.125%
HK$49,314
baseline
▲ 0.50% · 4.625%
HK$52,315
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,628/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,009
−HK$1,405/mo
Today · 4.125%
HK$54,414
baseline
▲ 0.50% · 4.625%
HK$57,282
+HK$2,868/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,828/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,139
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,823
−HK$1,711/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$61,034
+HK$3,500/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,229
−HK$3,254/mo
▼ 0.25% · 3.875%
HK$61,844
−HK$1,639/mo
Today · 4.125%
HK$63,483
baseline
▲ 0.50% · 4.625%
HK$66,829
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,966/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,607
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,772
−HK$2,200/mo
Today · 4.125%
HK$73,972
baseline
▲ 0.50% · 4.625%
HK$78,473
+HK$4,501/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$147,944/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,437
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,514
−HK$2,106/mo
Today · 4.125%
HK$81,620
baseline
▲ 0.50% · 4.625%
HK$85,923
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.26M · min. income ≈ HK$163,240/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$635,956 · Scale 2, in force from 26 Feb 2026)