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$38,827
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,034
−HK$1,227/mo
Today · 4.125%
HK$41,261
baseline
▲ 0.50% · 4.625%
HK$43,772
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,522/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,175/mo
Today · 4.125%
HK$45,528
baseline
▲ 0.50% · 4.625%
HK$47,928
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,056/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,592
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,041
−HK$1,473/mo
Today · 4.125%
HK$49,514
baseline
▲ 0.50% · 4.625%
HK$52,526
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,028/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,833
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,223
−HK$1,410/mo
Today · 4.125%
HK$54,633
baseline
▲ 0.50% · 4.625%
HK$57,513
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,266/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,357
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,048
−HK$1,718/mo
Today · 4.125%
HK$57,766
baseline
▲ 0.50% · 4.625%
HK$61,281
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,532/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,472
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,645/mo
Today · 4.125%
HK$63,739
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,478/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,888
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,062
−HK$2,209/mo
Today · 4.125%
HK$74,271
baseline
▲ 0.50% · 4.625%
HK$78,790
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,542/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,750
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,835
−HK$2,115/mo
Today · 4.125%
HK$81,950
baseline
▲ 0.50% · 4.625%
HK$86,270
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,900/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,525 · Scale 2, in force from 26 Feb 2026)