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$38,830
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,228/mo
Today · 4.125%
HK$41,266
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,532/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,199
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,357
−HK$1,175/mo
Today · 4.125%
HK$45,532
baseline
▲ 0.50% · 4.625%
HK$47,932
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,064/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,597
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,046
−HK$1,473/mo
Today · 4.125%
HK$49,519
baseline
▲ 0.50% · 4.625%
HK$52,532
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,038/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,838
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,229
−HK$1,410/mo
Today · 4.125%
HK$54,639
baseline
▲ 0.50% · 4.625%
HK$57,519
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,278/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,363
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,718/mo
Today · 4.125%
HK$57,772
baseline
▲ 0.50% · 4.625%
HK$61,287
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,544/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,478
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,100
−HK$1,645/mo
Today · 4.125%
HK$63,745
baseline
▲ 0.50% · 4.625%
HK$67,105
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,490/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,895
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,069
−HK$2,209/mo
Today · 4.125%
HK$74,278
baseline
▲ 0.50% · 4.625%
HK$78,798
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,556/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,757
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,843
−HK$2,115/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,278
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,588 · Scale 2, in force from 26 Feb 2026)