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$38,817
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,025
−HK$1,226/mo
Today · 4.125%
HK$41,251
baseline
▲ 0.50% · 4.625%
HK$43,761
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,502/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,184
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,342
−HK$1,175/mo
Today · 4.125%
HK$45,517
baseline
▲ 0.50% · 4.625%
HK$47,916
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,034/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,581
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,472/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,514
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,820
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,210
−HK$1,410/mo
Today · 4.125%
HK$54,620
baseline
▲ 0.50% · 4.625%
HK$57,499
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,240/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,344
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,718/mo
Today · 4.125%
HK$57,752
baseline
▲ 0.50% · 4.625%
HK$61,266
+HK$3,514/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,504/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,457
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,645/mo
Today · 4.125%
HK$63,724
baseline
▲ 0.50% · 4.625%
HK$67,082
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,448/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,871
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$2,208/mo
Today · 4.125%
HK$74,252
baseline
▲ 0.50% · 4.625%
HK$78,771
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,504/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,731
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,815
−HK$2,115/mo
Today · 4.125%
HK$81,930
baseline
▲ 0.50% · 4.625%
HK$86,249
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,860/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,369 · Scale 2, in force from 26 Feb 2026)