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$38,832
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,040
−HK$1,227/mo
Today · 4.125%
HK$41,267
baseline
▲ 0.50% · 4.625%
HK$43,778
+HK$2,511/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,534/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,200
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,359
−HK$1,175/mo
Today · 4.125%
HK$45,534
baseline
▲ 0.50% · 4.625%
HK$47,934
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,068/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,598
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,048
−HK$1,472/mo
Today · 4.125%
HK$49,520
baseline
▲ 0.50% · 4.625%
HK$52,534
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,040/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,840
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,230
−HK$1,411/mo
Today · 4.125%
HK$54,641
baseline
▲ 0.50% · 4.625%
HK$57,521
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,282/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,365
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,056
−HK$1,718/mo
Today · 4.125%
HK$57,774
baseline
▲ 0.50% · 4.625%
HK$61,289
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,548/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,480
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,102
−HK$1,646/mo
Today · 4.125%
HK$63,748
baseline
▲ 0.50% · 4.625%
HK$67,108
+HK$3,360/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,496/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,897
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,072
−HK$2,209/mo
Today · 4.125%
HK$74,281
baseline
▲ 0.50% · 4.625%
HK$78,800
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,562/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,760
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,846
−HK$2,115/mo
Today · 4.125%
HK$81,961
baseline
▲ 0.50% · 4.625%
HK$86,282
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,922/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,611 · Scale 2, in force from 26 Feb 2026)