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$38,833
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,041
−HK$1,227/mo
Today · 4.125%
HK$41,268
baseline
▲ 0.50% · 4.625%
HK$43,779
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,536/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,201
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,176/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$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,600
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,049
−HK$1,473/mo
Today · 4.125%
HK$49,522
baseline
▲ 0.50% · 4.625%
HK$52,535
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,044/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,842
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,232
−HK$1,411/mo
Today · 4.125%
HK$54,643
baseline
▲ 0.50% · 4.625%
HK$57,523
+HK$2,880/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$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,366
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,718/mo
Today · 4.125%
HK$57,776
baseline
▲ 0.50% · 4.625%
HK$61,291
+HK$3,515/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$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,482
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,104
−HK$1,646/mo
Today · 4.125%
HK$63,750
baseline
▲ 0.50% · 4.625%
HK$67,110
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,500/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,900
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,074
−HK$2,209/mo
Today · 4.125%
HK$74,283
baseline
▲ 0.50% · 4.625%
HK$78,803
+HK$4,520/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,566/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,763
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,848
−HK$2,116/mo
Today · 4.125%
HK$81,964
baseline
▲ 0.50% · 4.625%
HK$86,284
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,928/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,632 · Scale 2, in force from 26 Feb 2026)