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$38,831
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,039
−HK$1,227/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,777
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,199
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,175/mo
Today · 4.125%
HK$45,533
baseline
▲ 0.50% · 4.625%
HK$47,933
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,066/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,047
−HK$1,473/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,533
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,839
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,410/mo
Today · 4.125%
HK$54,640
baseline
▲ 0.50% · 4.625%
HK$57,520
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,280/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,364
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,055
−HK$1,718/mo
Today · 4.125%
HK$57,773
baseline
▲ 0.50% · 4.625%
HK$61,288
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,546/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,479
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,646/mo
Today · 4.125%
HK$63,747
baseline
▲ 0.50% · 4.625%
HK$67,107
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,494/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,896
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,070
−HK$2,209/mo
Today · 4.125%
HK$74,279
baseline
▲ 0.50% · 4.625%
HK$78,799
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,558/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,759
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,844
−HK$2,116/mo
Today · 4.125%
HK$81,960
baseline
▲ 0.50% · 4.625%
HK$86,280
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,920/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,601 · Scale 2, in force from 26 Feb 2026)