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$38,860
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,069
−HK$1,228/mo
Today · 4.125%
HK$41,297
baseline
▲ 0.50% · 4.625%
HK$43,810
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,594/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,232
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,391
−HK$1,176/mo
Today · 4.125%
HK$45,567
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,134/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,632
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,083
−HK$1,474/mo
Today · 4.125%
HK$49,557
baseline
▲ 0.50% · 4.625%
HK$52,572
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,114/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,878
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,269
−HK$1,412/mo
Today · 4.125%
HK$54,681
baseline
▲ 0.50% · 4.625%
HK$57,563
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,362/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,404
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,097
−HK$1,719/mo
Today · 4.125%
HK$57,816
baseline
▲ 0.50% · 4.625%
HK$61,334
+HK$3,518/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,632/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,524
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,646/mo
Today · 4.125%
HK$63,794
baseline
▲ 0.50% · 4.625%
HK$67,157
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,588/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$2,211/mo
Today · 4.125%
HK$74,335
baseline
▲ 0.50% · 4.625%
HK$78,858
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,670/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,817
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,904
−HK$2,117/mo
Today · 4.125%
HK$82,021
baseline
▲ 0.50% · 4.625%
HK$86,345
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,042/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,078 · Scale 2, in force from 26 Feb 2026)