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$38,805
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,012
−HK$1,226/mo
Today · 4.125%
HK$41,238
baseline
▲ 0.50% · 4.625%
HK$43,747
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,476/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,170
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,328
−HK$1,174/mo
Today · 4.125%
HK$45,502
baseline
▲ 0.50% · 4.625%
HK$47,901
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,004/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,566
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,014
−HK$1,472/mo
Today · 4.125%
HK$49,486
baseline
▲ 0.50% · 4.625%
HK$52,497
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,972/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,804
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,193
−HK$1,410/mo
Today · 4.125%
HK$54,603
baseline
▲ 0.50% · 4.625%
HK$57,481
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,206/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$56,017
−HK$1,716/mo
Today · 4.125%
HK$57,733
baseline
▲ 0.50% · 4.625%
HK$61,246
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,466/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,438
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,644/mo
Today · 4.125%
HK$63,703
baseline
▲ 0.50% · 4.625%
HK$67,061
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,406/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,849
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,021
−HK$2,208/mo
Today · 4.125%
HK$74,229
baseline
▲ 0.50% · 4.625%
HK$78,745
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,458/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,706
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,790
−HK$2,114/mo
Today · 4.125%
HK$81,904
baseline
▲ 0.50% · 4.625%
HK$86,221
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,808/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,165 · Scale 2, in force from 26 Feb 2026)