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$38,852
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,061
−HK$1,228/mo
Today · 4.125%
HK$41,289
baseline
▲ 0.50% · 4.625%
HK$43,801
+HK$2,512/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,578/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,223
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,382
−HK$1,176/mo
Today · 4.125%
HK$45,558
baseline
▲ 0.50% · 4.625%
HK$47,960
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,116/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,073
−HK$1,474/mo
Today · 4.125%
HK$49,547
baseline
▲ 0.50% · 4.625%
HK$52,561
+HK$3,014/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,094/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,868
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,259
−HK$1,411/mo
Today · 4.125%
HK$54,670
baseline
▲ 0.50% · 4.625%
HK$57,551
+HK$2,881/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$109,340/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,393
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,085
−HK$1,719/mo
Today · 4.125%
HK$57,804
baseline
▲ 0.50% · 4.625%
HK$61,322
+HK$3,518/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,608/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,512
−HK$3,269/mo
▼ 0.25% · 3.875%
HK$62,135
−HK$1,646/mo
Today · 4.125%
HK$63,781
baseline
▲ 0.50% · 4.625%
HK$67,143
+HK$3,362/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,562/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,934
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,110
−HK$2,210/mo
Today · 4.125%
HK$74,320
baseline
▲ 0.50% · 4.625%
HK$78,842
+HK$4,522/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$148,640/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,801
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,888
−HK$2,117/mo
Today · 4.125%
HK$82,005
baseline
▲ 0.50% · 4.625%
HK$86,327
+HK$4,322/mo
Deposit HK$1.70M · loan HK$15.33M · min. income ≈ HK$164,010/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,949 · Scale 2, in force from 26 Feb 2026)