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$38,678
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$39,881
−HK$1,223/mo
Today · 4.125%
HK$41,104
baseline
▲ 0.50% · 4.625%
HK$43,605
+HK$2,501/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$82,208/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,029
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$44,183
−HK$1,171/mo
Today · 4.125%
HK$45,354
baseline
▲ 0.50% · 4.625%
HK$47,745
+HK$2,391/mo
Deposit HK$8.48M · loan HK$8.48M · min. income ≈ HK$90,708/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,414
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,858
−HK$1,467/mo
Today · 4.125%
HK$49,325
baseline
▲ 0.50% · 4.625%
HK$52,326
+HK$3,001/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$98,650/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,635
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,020
−HK$1,405/mo
Today · 4.125%
HK$54,425
baseline
▲ 0.50% · 4.625%
HK$57,294
+HK$2,869/mo
Deposit HK$6.78M · loan HK$10.18M · min. income ≈ HK$108,850/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$55,834
−HK$1,711/mo
Today · 4.125%
HK$57,545
baseline
▲ 0.50% · 4.625%
HK$61,047
+HK$3,502/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$115,090/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,241
−HK$3,255/mo
▼ 0.25% · 3.875%
HK$61,857
−HK$1,639/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$66,842
+HK$3,346/mo
Deposit HK$5.09M · loan HK$11.87M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,621
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,787
−HK$2,200/mo
Today · 4.125%
HK$73,987
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$4,502/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$147,974/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,453
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,530
−HK$2,107/mo
Today · 4.125%
HK$81,637
baseline
▲ 0.50% · 4.625%
HK$85,940
+HK$4,303/mo
Deposit HK$1.70M · loan HK$15.27M · min. income ≈ HK$163,274/mo (50% DSR)
Upfront cash ≈ HK$2.33M (deposit + AVD stamp duty HK$636,085 · Scale 2, in force from 26 Feb 2026)