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$38,800
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,007
−HK$1,226/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,164
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,174/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$47,894
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$48,008
−HK$1,471/mo
Today · 4.125%
HK$49,479
baseline
▲ 0.50% · 4.625%
HK$52,490
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,958/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,797
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,186
−HK$1,409/mo
Today · 4.125%
HK$54,595
baseline
▲ 0.50% · 4.625%
HK$57,473
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,190/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,319
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,009
−HK$1,717/mo
Today · 4.125%
HK$57,726
baseline
▲ 0.50% · 4.625%
HK$61,238
+HK$3,512/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,452/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,430
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,644/mo
Today · 4.125%
HK$63,695
baseline
▲ 0.50% · 4.625%
HK$67,052
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,390/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,839
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,012
−HK$2,207/mo
Today · 4.125%
HK$74,219
baseline
▲ 0.50% · 4.625%
HK$78,735
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,438/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,696
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,114/mo
Today · 4.125%
HK$81,893
baseline
▲ 0.50% · 4.625%
HK$86,210
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,786/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,080 · Scale 2, in force from 26 Feb 2026)