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$38,839
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,227/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,786
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,367
−HK$1,175/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$47,943
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,607
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,473/mo
Today · 4.125%
HK$49,529
baseline
▲ 0.50% · 4.625%
HK$52,543
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,058/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,849
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,240
−HK$1,411/mo
Today · 4.125%
HK$54,651
baseline
▲ 0.50% · 4.625%
HK$57,531
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,302/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,374
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,066
−HK$1,718/mo
Today · 4.125%
HK$57,784
baseline
▲ 0.50% · 4.625%
HK$61,300
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,568/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,491
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,113
−HK$1,646/mo
Today · 4.125%
HK$63,759
baseline
▲ 0.50% · 4.625%
HK$67,120
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,518/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,910
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$2,210/mo
Today · 4.125%
HK$74,294
baseline
▲ 0.50% · 4.625%
HK$78,814
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,588/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,774
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,860
−HK$2,116/mo
Today · 4.125%
HK$81,976
baseline
▲ 0.50% · 4.625%
HK$86,297
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,952/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,724 · Scale 2, in force from 26 Feb 2026)