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$38,855
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,063
−HK$1,228/mo
Today · 4.125%
HK$41,291
baseline
▲ 0.50% · 4.625%
HK$43,804
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,582/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,225
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,385
−HK$1,176/mo
Today · 4.125%
HK$45,561
baseline
▲ 0.50% · 4.625%
HK$47,962
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,122/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,474/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,564
+HK$3,014/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,411/mo
Today · 4.125%
HK$54,673
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$109,346/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,089
−HK$1,719/mo
Today · 4.125%
HK$57,808
baseline
▲ 0.50% · 4.625%
HK$61,325
+HK$3,517/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,616/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,516
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,646/mo
Today · 4.125%
HK$63,785
baseline
▲ 0.50% · 4.625%
HK$67,147
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,570/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,939
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,114
−HK$2,210/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,806
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,893
−HK$2,117/mo
Today · 4.125%
HK$82,010
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,020/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,987 · Scale 2, in force from 26 Feb 2026)