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$38,856
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,065
−HK$1,228/mo
Today · 4.125%
HK$41,293
baseline
▲ 0.50% · 4.625%
HK$43,805
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,586/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,386
−HK$1,176/mo
Today · 4.125%
HK$45,562
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,124/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,627
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,077
−HK$1,474/mo
Today · 4.125%
HK$49,551
baseline
▲ 0.50% · 4.625%
HK$52,566
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,102/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,872
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,263
−HK$1,412/mo
Today · 4.125%
HK$54,675
baseline
▲ 0.50% · 4.625%
HK$57,557
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$109,350/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,090
−HK$1,720/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$61,327
+HK$3,517/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,620/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,646/mo
Today · 4.125%
HK$63,787
baseline
▲ 0.50% · 4.625%
HK$67,149
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,574/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,941
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,116
−HK$2,211/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,849
+HK$4,522/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,654/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,895
−HK$2,117/mo
Today · 4.125%
HK$82,012
baseline
▲ 0.50% · 4.625%
HK$86,335
+HK$4,323/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,024/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,006 · Scale 2, in force from 26 Feb 2026)