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$38,847
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,055
−HK$1,228/mo
Today · 4.125%
HK$41,283
baseline
▲ 0.50% · 4.625%
HK$43,795
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,566/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,216
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,175/mo
Today · 4.125%
HK$45,551
baseline
▲ 0.50% · 4.625%
HK$47,952
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,102/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,616
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,066
−HK$1,473/mo
Today · 4.125%
HK$49,539
baseline
▲ 0.50% · 4.625%
HK$52,554
+HK$3,015/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,078/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,860
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,251
−HK$1,411/mo
Today · 4.125%
HK$54,662
baseline
▲ 0.50% · 4.625%
HK$57,543
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,324/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,385
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,077
−HK$1,719/mo
Today · 4.125%
HK$57,796
baseline
▲ 0.50% · 4.625%
HK$61,312
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,592/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,503
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,126
−HK$1,646/mo
Today · 4.125%
HK$63,772
baseline
▲ 0.50% · 4.625%
HK$67,133
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,544/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,924
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,099
−HK$2,210/mo
Today · 4.125%
HK$74,309
baseline
▲ 0.50% · 4.625%
HK$78,830
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,618/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,790
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,876
−HK$2,116/mo
Today · 4.125%
HK$81,992
baseline
▲ 0.50% · 4.625%
HK$86,314
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,984/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,854 · Scale 2, in force from 26 Feb 2026)