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$38,837
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,045
−HK$1,228/mo
Today · 4.125%
HK$41,273
baseline
▲ 0.50% · 4.625%
HK$43,784
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,546/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,206
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,175/mo
Today · 4.125%
HK$45,540
baseline
▲ 0.50% · 4.625%
HK$47,941
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,080/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,605
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,054
−HK$1,473/mo
Today · 4.125%
HK$49,527
baseline
▲ 0.50% · 4.625%
HK$52,541
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,054/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,847
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,238
−HK$1,410/mo
Today · 4.125%
HK$54,648
baseline
▲ 0.50% · 4.625%
HK$57,529
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,296/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,372
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,063
−HK$1,719/mo
Today · 4.125%
HK$57,782
baseline
▲ 0.50% · 4.625%
HK$61,298
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,564/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,488
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,111
−HK$1,645/mo
Today · 4.125%
HK$63,756
baseline
▲ 0.50% · 4.625%
HK$67,117
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,512/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,907
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,081
−HK$2,210/mo
Today · 4.125%
HK$74,291
baseline
▲ 0.50% · 4.625%
HK$78,811
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,582/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,771
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,857
−HK$2,115/mo
Today · 4.125%
HK$81,972
baseline
▲ 0.50% · 4.625%
HK$86,293
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,944/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,698 · Scale 2, in force from 26 Feb 2026)