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$2,435/mo
▼ 0.25% · 3.875%
HK$40,038
−HK$1,227/mo
Today · 4.125%
HK$41,265
baseline
▲ 0.50% · 4.625%
HK$43,776
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,530/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,198
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,356
−HK$1,176/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$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,596
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,045
−HK$1,473/mo
Today · 4.125%
HK$49,518
baseline
▲ 0.50% · 4.625%
HK$52,531
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,036/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,837
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,228
−HK$1,410/mo
Today · 4.125%
HK$54,638
baseline
▲ 0.50% · 4.625%
HK$57,518
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,276/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,053
−HK$1,718/mo
Today · 4.125%
HK$57,771
baseline
▲ 0.50% · 4.625%
HK$61,286
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,542/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,477
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,099
−HK$1,645/mo
Today · 4.125%
HK$63,744
baseline
▲ 0.50% · 4.625%
HK$67,104
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,488/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,894
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,068
−HK$2,208/mo
Today · 4.125%
HK$74,276
baseline
▲ 0.50% · 4.625%
HK$78,796
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,552/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,756
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,841
−HK$2,116/mo
Today · 4.125%
HK$81,957
baseline
▲ 0.50% · 4.625%
HK$86,277
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,914/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,576 · Scale 2, in force from 26 Feb 2026)