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$38,812
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,019
−HK$1,227/mo
Today · 4.125%
HK$41,246
baseline
▲ 0.50% · 4.625%
HK$43,756
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,492/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,178
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,336
−HK$1,175/mo
Today · 4.125%
HK$45,511
baseline
▲ 0.50% · 4.625%
HK$47,910
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,022/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,575
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,023
−HK$1,472/mo
Today · 4.125%
HK$49,495
baseline
▲ 0.50% · 4.625%
HK$52,507
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,990/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,814
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,203
−HK$1,410/mo
Today · 4.125%
HK$54,613
baseline
▲ 0.50% · 4.625%
HK$57,492
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,226/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,027
−HK$1,718/mo
Today · 4.125%
HK$57,745
baseline
▲ 0.50% · 4.625%
HK$61,258
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,490/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,449
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,071
−HK$1,644/mo
Today · 4.125%
HK$63,715
baseline
▲ 0.50% · 4.625%
HK$67,074
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,430/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,862
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,035
−HK$2,208/mo
Today · 4.125%
HK$74,243
baseline
▲ 0.50% · 4.625%
HK$78,760
+HK$4,517/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,486/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,721
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,805
−HK$2,115/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,238
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,288 · Scale 2, in force from 26 Feb 2026)