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$38,828
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,036
−HK$1,227/mo
Today · 4.125%
HK$41,263
baseline
▲ 0.50% · 4.625%
HK$43,774
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,526/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,196
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,355
−HK$1,175/mo
Today · 4.125%
HK$45,530
baseline
▲ 0.50% · 4.625%
HK$47,930
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,060/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,044
−HK$1,472/mo
Today · 4.125%
HK$49,516
baseline
▲ 0.50% · 4.625%
HK$52,529
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,032/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,836
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,226
−HK$1,410/mo
Today · 4.125%
HK$54,636
baseline
▲ 0.50% · 4.625%
HK$57,516
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,272/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,360
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,051
−HK$1,718/mo
Today · 4.125%
HK$57,769
baseline
▲ 0.50% · 4.625%
HK$61,284
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,538/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,475
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,097
−HK$1,645/mo
Today · 4.125%
HK$63,742
baseline
▲ 0.50% · 4.625%
HK$67,102
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,484/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,891
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$2,209/mo
Today · 4.125%
HK$74,274
baseline
▲ 0.50% · 4.625%
HK$78,793
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,548/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,753
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,839
−HK$2,115/mo
Today · 4.125%
HK$81,954
baseline
▲ 0.50% · 4.625%
HK$86,274
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,908/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,555 · Scale 2, in force from 26 Feb 2026)