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$38,789
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,995
−HK$1,226/mo
Today · 4.125%
HK$41,221
baseline
▲ 0.50% · 4.625%
HK$43,729
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,442/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,152
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,174/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$47,881
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,547
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,471/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,475
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,783
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,171
−HK$1,409/mo
Today · 4.125%
HK$54,580
baseline
▲ 0.50% · 4.625%
HK$57,457
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,160/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,304
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,993
−HK$1,717/mo
Today · 4.125%
HK$57,710
baseline
▲ 0.50% · 4.625%
HK$61,221
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,420/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,413
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,033
−HK$1,644/mo
Today · 4.125%
HK$63,677
baseline
▲ 0.50% · 4.625%
HK$67,033
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,354/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,820
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,992
−HK$2,206/mo
Today · 4.125%
HK$74,198
baseline
▲ 0.50% · 4.625%
HK$78,713
+HK$4,515/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,396/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,674
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,757
−HK$2,113/mo
Today · 4.125%
HK$81,870
baseline
▲ 0.50% · 4.625%
HK$86,186
+HK$4,316/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,740/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,902 · Scale 2, in force from 26 Feb 2026)