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$38,788
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$39,994
−HK$1,226/mo
Today · 4.125%
HK$41,220
baseline
▲ 0.50% · 4.625%
HK$43,728
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,440/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,151
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,174/mo
Today · 4.125%
HK$45,482
baseline
▲ 0.50% · 4.625%
HK$47,879
+HK$2,397/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,964/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,545
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,993
−HK$1,471/mo
Today · 4.125%
HK$49,464
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,928/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,781
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,408/mo
Today · 4.125%
HK$54,578
baseline
▲ 0.50% · 4.625%
HK$57,455
+HK$2,877/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,156/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,303
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$55,992
−HK$1,716/mo
Today · 4.125%
HK$57,708
baseline
▲ 0.50% · 4.625%
HK$61,219
+HK$3,511/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,416/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,411
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,644/mo
Today · 4.125%
HK$63,675
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,356/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,350/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,818
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,989
−HK$2,207/mo
Today · 4.125%
HK$74,196
baseline
▲ 0.50% · 4.625%
HK$78,710
+HK$4,514/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,392/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,671
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,754
−HK$2,114/mo
Today · 4.125%
HK$81,868
baseline
▲ 0.50% · 4.625%
HK$86,183
+HK$4,315/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,736/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,881 · Scale 2, in force from 26 Feb 2026)