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$38,809
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,016
−HK$1,226/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,752
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,174
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,175/mo
Today · 4.125%
HK$45,507
baseline
▲ 0.50% · 4.625%
HK$47,906
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,014/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,570
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,019
−HK$1,472/mo
Today · 4.125%
HK$49,491
baseline
▲ 0.50% · 4.625%
HK$52,502
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,982/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,809
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,199
−HK$1,409/mo
Today · 4.125%
HK$54,608
baseline
▲ 0.50% · 4.625%
HK$57,487
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,216/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,332
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,022
−HK$1,717/mo
Today · 4.125%
HK$57,739
baseline
▲ 0.50% · 4.625%
HK$61,253
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,478/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,444
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,065
−HK$1,645/mo
Today · 4.125%
HK$63,710
baseline
▲ 0.50% · 4.625%
HK$67,068
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,420/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,856
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,029
−HK$2,207/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,753
+HK$4,517/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,714
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,114/mo
Today · 4.125%
HK$81,912
baseline
▲ 0.50% · 4.625%
HK$86,230
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,824/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,229 · Scale 2, in force from 26 Feb 2026)