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$38,803
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,010
−HK$1,226/mo
Today · 4.125%
HK$41,236
baseline
▲ 0.50% · 4.625%
HK$43,745
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,472/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,168
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,325
−HK$1,175/mo
Today · 4.125%
HK$45,500
baseline
▲ 0.50% · 4.625%
HK$47,898
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,000/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,563
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,012
−HK$1,471/mo
Today · 4.125%
HK$49,483
baseline
▲ 0.50% · 4.625%
HK$52,494
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,966/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,801
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,190
−HK$1,410/mo
Today · 4.125%
HK$54,600
baseline
▲ 0.50% · 4.625%
HK$57,478
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,200/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,013
−HK$1,717/mo
Today · 4.125%
HK$57,730
baseline
▲ 0.50% · 4.625%
HK$61,243
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,460/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,435
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,055
−HK$1,645/mo
Today · 4.125%
HK$63,700
baseline
▲ 0.50% · 4.625%
HK$67,057
+HK$3,357/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,400/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,845
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,017
−HK$2,208/mo
Today · 4.125%
HK$74,225
baseline
▲ 0.50% · 4.625%
HK$78,741
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,450/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,702
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,785
−HK$2,114/mo
Today · 4.125%
HK$81,899
baseline
▲ 0.50% · 4.625%
HK$86,217
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,798/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,129 · Scale 2, in force from 26 Feb 2026)