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$38,807
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,014
−HK$1,226/mo
Today · 4.125%
HK$41,240
baseline
▲ 0.50% · 4.625%
HK$43,750
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,480/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,172
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,330
−HK$1,175/mo
Today · 4.125%
HK$45,505
baseline
▲ 0.50% · 4.625%
HK$47,903
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,010/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,017
−HK$1,471/mo
Today · 4.125%
HK$49,488
baseline
▲ 0.50% · 4.625%
HK$52,500
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,976/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,807
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,196
−HK$1,409/mo
Today · 4.125%
HK$54,605
baseline
▲ 0.50% · 4.625%
HK$57,484
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,210/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,717/mo
Today · 4.125%
HK$57,736
baseline
▲ 0.50% · 4.625%
HK$61,249
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,472/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,441
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,062
−HK$1,644/mo
Today · 4.125%
HK$63,706
baseline
▲ 0.50% · 4.625%
HK$67,064
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,412/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$2,207/mo
Today · 4.125%
HK$74,232
baseline
▲ 0.50% · 4.625%
HK$78,749
+HK$4,517/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,464/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,710
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,794
−HK$2,114/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,197 · Scale 2, in force from 26 Feb 2026)