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$38,799
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,005
−HK$1,227/mo
Today · 4.125%
HK$41,232
baseline
▲ 0.50% · 4.625%
HK$43,740
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,464/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,163
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,174/mo
Today · 4.125%
HK$45,495
baseline
▲ 0.50% · 4.625%
HK$47,893
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,990/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,558
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,006
−HK$1,472/mo
Today · 4.125%
HK$49,478
baseline
▲ 0.50% · 4.625%
HK$52,488
+HK$3,010/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,956/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,796
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,185
−HK$1,409/mo
Today · 4.125%
HK$54,594
baseline
▲ 0.50% · 4.625%
HK$57,472
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,188/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,318
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,716/mo
Today · 4.125%
HK$57,724
baseline
▲ 0.50% · 4.625%
HK$61,237
+HK$3,513/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,448/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,428
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,644/mo
Today · 4.125%
HK$63,693
baseline
▲ 0.50% · 4.625%
HK$67,050
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,386/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,837
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,010
−HK$2,207/mo
Today · 4.125%
HK$74,217
baseline
▲ 0.50% · 4.625%
HK$78,733
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,434/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,693
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,777
−HK$2,114/mo
Today · 4.125%
HK$81,891
baseline
▲ 0.50% · 4.625%
HK$86,207
+HK$4,316/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,782/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,063 · Scale 2, in force from 26 Feb 2026)