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$38,796
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,003
−HK$1,226/mo
Today · 4.125%
HK$41,229
baseline
▲ 0.50% · 4.625%
HK$43,737
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,458/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,160
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,318
−HK$1,174/mo
Today · 4.125%
HK$45,492
baseline
▲ 0.50% · 4.625%
HK$47,890
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,984/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,555
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,003
−HK$1,471/mo
Today · 4.125%
HK$49,474
baseline
▲ 0.50% · 4.625%
HK$52,485
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,948/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,792
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,181
−HK$1,409/mo
Today · 4.125%
HK$54,590
baseline
▲ 0.50% · 4.625%
HK$57,468
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,180/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,314
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,004
−HK$1,716/mo
Today · 4.125%
HK$57,720
baseline
▲ 0.50% · 4.625%
HK$61,232
+HK$3,512/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,440/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,424
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,045
−HK$1,644/mo
Today · 4.125%
HK$63,689
baseline
▲ 0.50% · 4.625%
HK$67,046
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,378/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,833
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,005
−HK$2,207/mo
Today · 4.125%
HK$74,212
baseline
▲ 0.50% · 4.625%
HK$78,727
+HK$4,515/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,424/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,688
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,772
−HK$2,113/mo
Today · 4.125%
HK$81,885
baseline
▲ 0.50% · 4.625%
HK$86,202
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,770/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,019 · Scale 2, in force from 26 Feb 2026)