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$38,844
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,052
−HK$1,228/mo
Today · 4.125%
HK$41,280
baseline
▲ 0.50% · 4.625%
HK$43,792
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,560/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,214
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,373
−HK$1,175/mo
Today · 4.125%
HK$45,548
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,096/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,613
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,473/mo
Today · 4.125%
HK$49,536
baseline
▲ 0.50% · 4.625%
HK$52,550
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,072/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,247
−HK$1,411/mo
Today · 4.125%
HK$54,658
baseline
▲ 0.50% · 4.625%
HK$57,539
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,316/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,382
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,073
−HK$1,719/mo
Today · 4.125%
HK$57,792
baseline
▲ 0.50% · 4.625%
HK$61,308
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,584/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,499
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,122
−HK$1,646/mo
Today · 4.125%
HK$63,768
baseline
▲ 0.50% · 4.625%
HK$67,129
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,536/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,919
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,094
−HK$2,210/mo
Today · 4.125%
HK$74,304
baseline
▲ 0.50% · 4.625%
HK$78,825
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,608/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,785
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,871
−HK$2,116/mo
Today · 4.125%
HK$81,987
baseline
▲ 0.50% · 4.625%
HK$86,309
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,974/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,811 · Scale 2, in force from 26 Feb 2026)