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$38,876
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,085
−HK$1,228/mo
Today · 4.125%
HK$41,313
baseline
▲ 0.50% · 4.625%
HK$43,827
+HK$2,514/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,626/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,409
−HK$1,176/mo
Today · 4.125%
HK$45,585
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,403/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,170/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,651
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,102
−HK$1,474/mo
Today · 4.125%
HK$49,576
baseline
▲ 0.50% · 4.625%
HK$52,593
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,152/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,898
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,290
−HK$1,412/mo
Today · 4.125%
HK$54,702
baseline
▲ 0.50% · 4.625%
HK$57,586
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,404/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,426
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,119
−HK$1,720/mo
Today · 4.125%
HK$57,839
baseline
▲ 0.50% · 4.625%
HK$61,358
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,678/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,548
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,172
−HK$1,647/mo
Today · 4.125%
HK$63,819
baseline
▲ 0.50% · 4.625%
HK$67,183
+HK$3,364/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,638/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,976
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,153
−HK$2,211/mo
Today · 4.125%
HK$74,364
baseline
▲ 0.50% · 4.625%
HK$78,889
+HK$4,525/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,728/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,848
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,935
−HK$2,118/mo
Today · 4.125%
HK$82,053
baseline
▲ 0.50% · 4.625%
HK$86,379
+HK$4,326/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,106/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,329 · Scale 2, in force from 26 Feb 2026)