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$38,843
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,227/mo
Today · 4.125%
HK$41,279
baseline
▲ 0.50% · 4.625%
HK$43,791
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,558/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,372
−HK$1,175/mo
Today · 4.125%
HK$45,547
baseline
▲ 0.50% · 4.625%
HK$47,948
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,094/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,062
−HK$1,473/mo
Today · 4.125%
HK$49,535
baseline
▲ 0.50% · 4.625%
HK$52,549
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,070/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,855
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,246
−HK$1,411/mo
Today · 4.125%
HK$54,657
baseline
▲ 0.50% · 4.625%
HK$57,538
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,314/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,381
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,072
−HK$1,719/mo
Today · 4.125%
HK$57,791
baseline
▲ 0.50% · 4.625%
HK$61,307
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,582/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,498
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,120
−HK$1,646/mo
Today · 4.125%
HK$63,766
baseline
▲ 0.50% · 4.625%
HK$67,128
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,532/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,918
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,093
−HK$2,209/mo
Today · 4.125%
HK$74,302
baseline
▲ 0.50% · 4.625%
HK$78,824
+HK$4,522/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,604/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,783
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,869
−HK$2,116/mo
Today · 4.125%
HK$81,985
baseline
▲ 0.50% · 4.625%
HK$86,307
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,970/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,799 · Scale 2, in force from 26 Feb 2026)