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$38,878
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,087
−HK$1,229/mo
Today · 4.125%
HK$41,316
baseline
▲ 0.50% · 4.625%
HK$43,830
+HK$2,514/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,632/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,251
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,411
−HK$1,177/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$47,991
+HK$2,403/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,653
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,105
−HK$1,474/mo
Today · 4.125%
HK$49,579
baseline
▲ 0.50% · 4.625%
HK$52,596
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,158/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,901
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,293
−HK$1,413/mo
Today · 4.125%
HK$54,706
baseline
▲ 0.50% · 4.625%
HK$57,589
+HK$2,883/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,412/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,429
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,122
−HK$1,720/mo
Today · 4.125%
HK$57,842
baseline
▲ 0.50% · 4.625%
HK$61,362
+HK$3,520/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,684/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,552
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,647/mo
Today · 4.125%
HK$63,823
baseline
▲ 0.50% · 4.625%
HK$67,187
+HK$3,364/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,646/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,980
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,157
−HK$2,212/mo
Today · 4.125%
HK$74,369
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$4,525/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,738/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,852
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,940
−HK$2,118/mo
Today · 4.125%
HK$82,058
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,326/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,116/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,367 · Scale 2, in force from 26 Feb 2026)