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$38,818
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,025
−HK$1,227/mo
Today · 4.125%
HK$41,252
baseline
▲ 0.50% · 4.625%
HK$43,762
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,504/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,185
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,343
−HK$1,175/mo
Today · 4.125%
HK$45,518
baseline
▲ 0.50% · 4.625%
HK$47,917
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,036/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,581
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,473/mo
Today · 4.125%
HK$49,503
baseline
▲ 0.50% · 4.625%
HK$52,515
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$99,006/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,821
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,211
−HK$1,410/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,500
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,035
−HK$1,718/mo
Today · 4.125%
HK$57,753
baseline
▲ 0.50% · 4.625%
HK$61,267
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,506/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,458
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,080
−HK$1,645/mo
Today · 4.125%
HK$63,725
baseline
▲ 0.50% · 4.625%
HK$67,084
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,450/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,872
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,046
−HK$2,208/mo
Today · 4.125%
HK$74,254
baseline
▲ 0.50% · 4.625%
HK$78,772
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,508/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,732
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,817
−HK$2,115/mo
Today · 4.125%
HK$81,932
baseline
▲ 0.50% · 4.625%
HK$86,251
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,864/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,381 · Scale 2, in force from 26 Feb 2026)