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$38,838
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,046
−HK$1,228/mo
Today · 4.125%
HK$41,274
baseline
▲ 0.50% · 4.625%
HK$43,785
+HK$2,511/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,548/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,207
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,366
−HK$1,176/mo
Today · 4.125%
HK$45,542
baseline
▲ 0.50% · 4.625%
HK$47,942
+HK$2,400/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,084/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,606
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,056
−HK$1,473/mo
Today · 4.125%
HK$49,529
baseline
▲ 0.50% · 4.625%
HK$52,542
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,058/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,849
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,239
−HK$1,411/mo
Today · 4.125%
HK$54,650
baseline
▲ 0.50% · 4.625%
HK$57,531
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,300/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,374
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,065
−HK$1,718/mo
Today · 4.125%
HK$57,783
baseline
▲ 0.50% · 4.625%
HK$61,299
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,566/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,490
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,113
−HK$1,645/mo
Today · 4.125%
HK$63,758
baseline
▲ 0.50% · 4.625%
HK$67,119
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,516/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,909
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$2,209/mo
Today · 4.125%
HK$74,293
baseline
▲ 0.50% · 4.625%
HK$78,814
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,586/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,773
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,859
−HK$2,116/mo
Today · 4.125%
HK$81,975
baseline
▲ 0.50% · 4.625%
HK$86,296
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,950/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,718 · Scale 2, in force from 26 Feb 2026)