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$38,866
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,229/mo
Today · 4.125%
HK$41,304
baseline
▲ 0.50% · 4.625%
HK$43,817
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,608/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,177/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$47,977
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,640
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,090
−HK$1,474/mo
Today · 4.125%
HK$49,564
baseline
▲ 0.50% · 4.625%
HK$52,580
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,128/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,886
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,278
−HK$1,411/mo
Today · 4.125%
HK$54,689
baseline
▲ 0.50% · 4.625%
HK$57,572
+HK$2,883/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,378/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,413
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,106
−HK$1,719/mo
Today · 4.125%
HK$57,825
baseline
▲ 0.50% · 4.625%
HK$61,344
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,650/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,534
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,157
−HK$1,647/mo
Today · 4.125%
HK$63,804
baseline
▲ 0.50% · 4.625%
HK$67,168
+HK$3,364/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,608/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,960
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,136
−HK$2,211/mo
Today · 4.125%
HK$74,347
baseline
▲ 0.50% · 4.625%
HK$78,870
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,694/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,829
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,917
−HK$2,117/mo
Today · 4.125%
HK$82,034
baseline
▲ 0.50% · 4.625%
HK$86,358
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,068/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,179 · Scale 2, in force from 26 Feb 2026)