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$38,835
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,043
−HK$1,228/mo
Today · 4.125%
HK$41,271
baseline
▲ 0.50% · 4.625%
HK$43,782
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,542/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,363
−HK$1,175/mo
Today · 4.125%
HK$45,538
baseline
▲ 0.50% · 4.625%
HK$47,939
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,076/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,603
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,052
−HK$1,473/mo
Today · 4.125%
HK$49,525
baseline
▲ 0.50% · 4.625%
HK$52,538
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,050/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,845
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,235
−HK$1,411/mo
Today · 4.125%
HK$54,646
baseline
▲ 0.50% · 4.625%
HK$57,526
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,292/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,370
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,061
−HK$1,718/mo
Today · 4.125%
HK$57,779
baseline
▲ 0.50% · 4.625%
HK$61,295
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,558/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,486
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,108
−HK$1,646/mo
Today · 4.125%
HK$63,754
baseline
▲ 0.50% · 4.625%
HK$67,114
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,508/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,904
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,078
−HK$2,209/mo
Today · 4.125%
HK$74,287
baseline
▲ 0.50% · 4.625%
HK$78,808
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,574/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,767
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,853
−HK$2,116/mo
Today · 4.125%
HK$81,969
baseline
▲ 0.50% · 4.625%
HK$86,290
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,938/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,670 · Scale 2, in force from 26 Feb 2026)