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$38,845
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,053
−HK$1,228/mo
Today · 4.125%
HK$41,281
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,562/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,214
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,373
−HK$1,176/mo
Today · 4.125%
HK$45,549
baseline
▲ 0.50% · 4.625%
HK$47,950
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,098/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,614
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,064
−HK$1,473/mo
Today · 4.125%
HK$49,537
baseline
▲ 0.50% · 4.625%
HK$52,551
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,074/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,857
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,248
−HK$1,411/mo
Today · 4.125%
HK$54,659
baseline
▲ 0.50% · 4.625%
HK$57,540
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,318/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,719/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$61,309
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,500
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,123
−HK$1,646/mo
Today · 4.125%
HK$63,769
baseline
▲ 0.50% · 4.625%
HK$67,130
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,538/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,921
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,095
−HK$2,210/mo
Today · 4.125%
HK$74,305
baseline
▲ 0.50% · 4.625%
HK$78,826
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,610/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,786
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,872
−HK$2,116/mo
Today · 4.125%
HK$81,988
baseline
▲ 0.50% · 4.625%
HK$86,310
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,976/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,822 · Scale 2, in force from 26 Feb 2026)