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$38,816
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,024
−HK$1,226/mo
Today · 4.125%
HK$41,250
baseline
▲ 0.50% · 4.625%
HK$43,760
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,500/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,183
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,341
−HK$1,175/mo
Today · 4.125%
HK$45,516
baseline
▲ 0.50% · 4.625%
HK$47,915
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,032/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,580
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,028
−HK$1,473/mo
Today · 4.125%
HK$49,501
baseline
▲ 0.50% · 4.625%
HK$52,513
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$99,002/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,819
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,209
−HK$1,410/mo
Today · 4.125%
HK$54,619
baseline
▲ 0.50% · 4.625%
HK$57,498
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,238/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,343
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,033
−HK$1,718/mo
Today · 4.125%
HK$57,751
baseline
▲ 0.50% · 4.625%
HK$61,265
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,502/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,456
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,077
−HK$1,645/mo
Today · 4.125%
HK$63,722
baseline
▲ 0.50% · 4.625%
HK$67,081
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,444/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,869
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,043
−HK$2,208/mo
Today · 4.125%
HK$74,251
baseline
▲ 0.50% · 4.625%
HK$78,769
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,502/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,729
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,814
−HK$2,114/mo
Today · 4.125%
HK$81,928
baseline
▲ 0.50% · 4.625%
HK$86,247
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,856/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,355 · Scale 2, in force from 26 Feb 2026)