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$38,871
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,080
−HK$1,228/mo
Today · 4.125%
HK$41,308
baseline
▲ 0.50% · 4.625%
HK$43,822
+HK$2,514/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,616/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,243
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,403
−HK$1,176/mo
Today · 4.125%
HK$45,579
baseline
▲ 0.50% · 4.625%
HK$47,982
+HK$2,403/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,158/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,645
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,096
−HK$1,474/mo
Today · 4.125%
HK$49,570
baseline
▲ 0.50% · 4.625%
HK$52,586
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,140/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,892
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,284
−HK$1,411/mo
Today · 4.125%
HK$54,695
baseline
▲ 0.50% · 4.625%
HK$57,578
+HK$2,883/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,390/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,419
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,719/mo
Today · 4.125%
HK$57,831
baseline
▲ 0.50% · 4.625%
HK$61,350
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,662/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,540
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,164
−HK$1,647/mo
Today · 4.125%
HK$63,811
baseline
▲ 0.50% · 4.625%
HK$67,175
+HK$3,364/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,622/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,967
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,144
−HK$2,211/mo
Today · 4.125%
HK$74,355
baseline
▲ 0.50% · 4.625%
HK$78,879
+HK$4,524/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,710/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,838
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,925
−HK$2,118/mo
Today · 4.125%
HK$82,043
baseline
▲ 0.50% · 4.625%
HK$86,368
+HK$4,325/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,086/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,248 · Scale 2, in force from 26 Feb 2026)