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$43,806
+HK$2,513/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$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,227
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,387
−HK$1,176/mo
Today · 4.125%
HK$45,563
baseline
▲ 0.50% · 4.625%
HK$47,964
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,126/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,628
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,078
−HK$1,474/mo
Today · 4.125%
HK$49,552
baseline
▲ 0.50% · 4.625%
HK$52,567
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,104/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,873
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,264
−HK$1,411/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$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,399
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,091
−HK$1,719/mo
Today · 4.125%
HK$57,810
baseline
▲ 0.50% · 4.625%
HK$61,328
+HK$3,518/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$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,518
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,141
−HK$1,647/mo
Today · 4.125%
HK$63,788
baseline
▲ 0.50% · 4.625%
HK$67,150
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,576/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,941
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,117
−HK$2,210/mo
Today · 4.125%
HK$74,327
baseline
▲ 0.50% · 4.625%
HK$78,850
+HK$4,523/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$639,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,809
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,896
−HK$2,117/mo
Today · 4.125%
HK$82,013
baseline
▲ 0.50% · 4.625%
HK$86,336
+HK$4,323/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,026/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,014 · Scale 2, in force from 26 Feb 2026)