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$38,825
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$40,033
−HK$1,227/mo
Today · 4.125%
HK$41,260
baseline
▲ 0.50% · 4.625%
HK$43,770
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,520/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,175/mo
Today · 4.125%
HK$45,526
baseline
▲ 0.50% · 4.625%
HK$47,926
+HK$2,400/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,052/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,590
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,039
−HK$1,473/mo
Today · 4.125%
HK$49,512
baseline
▲ 0.50% · 4.625%
HK$52,525
+HK$3,013/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$99,024/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,831
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,221
−HK$1,410/mo
Today · 4.125%
HK$54,631
baseline
▲ 0.50% · 4.625%
HK$57,511
+HK$2,880/mo
Deposit HK$6.81M · loan HK$10.22M · min. income ≈ HK$109,262/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,355
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,718/mo
Today · 4.125%
HK$57,764
baseline
▲ 0.50% · 4.625%
HK$61,279
+HK$3,515/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,528/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,470
−HK$3,267/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,646/mo
Today · 4.125%
HK$63,737
baseline
▲ 0.50% · 4.625%
HK$67,096
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,474/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,885
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$2,209/mo
Today · 4.125%
HK$74,268
baseline
▲ 0.50% · 4.625%
HK$78,787
+HK$4,519/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,536/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,747
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,832
−HK$2,115/mo
Today · 4.125%
HK$81,947
baseline
▲ 0.50% · 4.625%
HK$86,267
+HK$4,320/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,894/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,501 · Scale 2, in force from 26 Feb 2026)