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$38,867
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,076
−HK$1,229/mo
Today · 4.125%
HK$41,305
baseline
▲ 0.50% · 4.625%
HK$43,818
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,610/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,399
−HK$1,177/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$47,978
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,641
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,092
−HK$1,474/mo
Today · 4.125%
HK$49,566
baseline
▲ 0.50% · 4.625%
HK$52,581
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,132/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,887
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,279
−HK$1,412/mo
Today · 4.125%
HK$54,691
baseline
▲ 0.50% · 4.625%
HK$57,574
+HK$2,883/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,382/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,414
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,107
−HK$1,719/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$61,345
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,535
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,159
−HK$1,647/mo
Today · 4.125%
HK$63,806
baseline
▲ 0.50% · 4.625%
HK$67,169
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,612/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,961
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,137
−HK$2,211/mo
Today · 4.125%
HK$74,348
baseline
▲ 0.50% · 4.625%
HK$78,872
+HK$4,524/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,696/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,831
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,918
−HK$2,118/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$86,360
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,193 · Scale 2, in force from 26 Feb 2026)