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$38,858
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,067
−HK$1,228/mo
Today · 4.125%
HK$41,295
baseline
▲ 0.50% · 4.625%
HK$43,808
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,590/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,230
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$44,389
−HK$1,176/mo
Today · 4.125%
HK$45,565
baseline
▲ 0.50% · 4.625%
HK$47,967
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,130/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,630
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,081
−HK$1,473/mo
Today · 4.125%
HK$49,554
baseline
▲ 0.50% · 4.625%
HK$52,570
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$99,108/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,876
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,267
−HK$1,411/mo
Today · 4.125%
HK$54,678
baseline
▲ 0.50% · 4.625%
HK$57,560
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.22M · min. income ≈ HK$109,356/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,402
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,094
−HK$1,719/mo
Today · 4.125%
HK$57,813
baseline
▲ 0.50% · 4.625%
HK$61,331
+HK$3,518/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,626/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,521
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,145
−HK$1,646/mo
Today · 4.125%
HK$63,791
baseline
▲ 0.50% · 4.625%
HK$67,154
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,582/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,945
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,121
−HK$2,210/mo
Today · 4.125%
HK$74,331
baseline
▲ 0.50% · 4.625%
HK$78,854
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,662/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,813
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,900
−HK$2,117/mo
Today · 4.125%
HK$82,017
baseline
▲ 0.50% · 4.625%
HK$86,341
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,034/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,048 · Scale 2, in force from 26 Feb 2026)