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$38,822
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,029
−HK$1,227/mo
Today · 4.125%
HK$41,256
baseline
▲ 0.50% · 4.625%
HK$43,767
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,512/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,189
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,347
−HK$1,175/mo
Today · 4.125%
HK$45,522
baseline
▲ 0.50% · 4.625%
HK$47,922
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,044/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,586
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,035
−HK$1,473/mo
Today · 4.125%
HK$49,508
baseline
▲ 0.50% · 4.625%
HK$52,520
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,016/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,827
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,217
−HK$1,410/mo
Today · 4.125%
HK$54,627
baseline
▲ 0.50% · 4.625%
HK$57,506
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,254/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,351
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,041
−HK$1,718/mo
Today · 4.125%
HK$57,759
baseline
▲ 0.50% · 4.625%
HK$61,273
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,518/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,464
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,086
−HK$1,645/mo
Today · 4.125%
HK$63,731
baseline
▲ 0.50% · 4.625%
HK$67,091
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,462/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,879
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,053
−HK$2,208/mo
Today · 4.125%
HK$74,261
baseline
▲ 0.50% · 4.625%
HK$78,780
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,522/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,740
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,825
−HK$2,115/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,259
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,446 · Scale 2, in force from 26 Feb 2026)