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$38,841
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$40,049
−HK$1,228/mo
Today · 4.125%
HK$41,277
baseline
▲ 0.50% · 4.625%
HK$43,789
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,554/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,211
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,176/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$47,946
+HK$2,401/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,610
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,059
−HK$1,473/mo
Today · 4.125%
HK$49,532
baseline
▲ 0.50% · 4.625%
HK$52,546
+HK$3,014/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,064/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,853
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$53,243
−HK$1,411/mo
Today · 4.125%
HK$54,654
baseline
▲ 0.50% · 4.625%
HK$57,535
+HK$2,881/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,308/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,378
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,719/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$61,304
+HK$3,516/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,495
−HK$3,268/mo
▼ 0.25% · 3.875%
HK$62,117
−HK$1,646/mo
Today · 4.125%
HK$63,763
baseline
▲ 0.50% · 4.625%
HK$67,124
+HK$3,361/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,526/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,914
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,089
−HK$2,209/mo
Today · 4.125%
HK$74,298
baseline
▲ 0.50% · 4.625%
HK$78,819
+HK$4,521/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,596/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,779
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,865
−HK$2,116/mo
Today · 4.125%
HK$81,981
baseline
▲ 0.50% · 4.625%
HK$86,302
+HK$4,321/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$163,962/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,765 · Scale 2, in force from 26 Feb 2026)