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$38,853
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,228/mo
Today · 4.125%
HK$41,289
baseline
▲ 0.50% · 4.625%
HK$43,802
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,578/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,223
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,383
−HK$1,176/mo
Today · 4.125%
HK$45,559
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,118/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,074
−HK$1,473/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,562
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,868
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,259
−HK$1,411/mo
Today · 4.125%
HK$54,670
baseline
▲ 0.50% · 4.625%
HK$57,552
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$109,340/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,394
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,086
−HK$1,719/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$61,322
+HK$3,517/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,513
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,646/mo
Today · 4.125%
HK$63,782
baseline
▲ 0.50% · 4.625%
HK$67,144
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,564/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,935
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,110
−HK$2,211/mo
Today · 4.125%
HK$74,321
baseline
▲ 0.50% · 4.625%
HK$78,843
+HK$4,522/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,642/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,802
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,889
−HK$2,116/mo
Today · 4.125%
HK$82,005
baseline
▲ 0.50% · 4.625%
HK$86,328
+HK$4,323/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$164,010/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,954 · Scale 2, in force from 26 Feb 2026)