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$38,792
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$39,999
−HK$1,226/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,733
+HK$2,508/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,314
−HK$1,174/mo
Today · 4.125%
HK$45,488
baseline
▲ 0.50% · 4.625%
HK$47,885
+HK$2,397/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,976/mo (50% DSR)
Upfront cash ≈ HK$9.14M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,551
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,999
−HK$1,471/mo
Today · 4.125%
HK$49,470
baseline
▲ 0.50% · 4.625%
HK$52,480
+HK$3,010/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$98,940/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,787
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,176
−HK$1,409/mo
Today · 4.125%
HK$54,585
baseline
▲ 0.50% · 4.625%
HK$57,463
+HK$2,878/mo
Deposit HK$6.80M · loan HK$10.21M · min. income ≈ HK$109,170/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,309
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,716/mo
Today · 4.125%
HK$57,715
baseline
▲ 0.50% · 4.625%
HK$61,227
+HK$3,512/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,430/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,419
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,039
−HK$1,644/mo
Today · 4.125%
HK$63,683
baseline
▲ 0.50% · 4.625%
HK$67,040
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,366/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,826
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,998
−HK$2,207/mo
Today · 4.125%
HK$74,205
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$4,515/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,410/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,681
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,764
−HK$2,114/mo
Today · 4.125%
HK$81,878
baseline
▲ 0.50% · 4.625%
HK$86,194
+HK$4,316/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,756/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$637,962 · Scale 2, in force from 26 Feb 2026)