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$38,834
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,042
−HK$1,227/mo
Today · 4.125%
HK$41,269
baseline
▲ 0.50% · 4.625%
HK$43,780
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,538/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,202
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,361
−HK$1,175/mo
Today · 4.125%
HK$45,536
baseline
▲ 0.50% · 4.625%
HK$47,936
+HK$2,400/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,072/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,600
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,050
−HK$1,473/mo
Today · 4.125%
HK$49,523
baseline
▲ 0.50% · 4.625%
HK$52,536
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,046/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,842
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,233
−HK$1,410/mo
Today · 4.125%
HK$54,643
baseline
▲ 0.50% · 4.625%
HK$57,524
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,286/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,367
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,718/mo
Today · 4.125%
HK$57,776
baseline
▲ 0.50% · 4.625%
HK$61,292
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,552/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,483
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,105
−HK$1,646/mo
Today · 4.125%
HK$63,751
baseline
▲ 0.50% · 4.625%
HK$67,111
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,502/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,901
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$2,209/mo
Today · 4.125%
HK$74,284
baseline
▲ 0.50% · 4.625%
HK$78,804
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,568/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,764
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,849
−HK$2,116/mo
Today · 4.125%
HK$81,965
baseline
▲ 0.50% · 4.625%
HK$86,286
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,930/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,640 · Scale 2, in force from 26 Feb 2026)