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$2,438/mo
▼ 0.25% · 3.875%
HK$40,081
−HK$1,228/mo
Today · 4.125%
HK$41,309
baseline
▲ 0.50% · 4.625%
HK$43,823
+HK$2,514/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,618/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,404
−HK$1,176/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$47,983
+HK$2,403/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,646
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,097
−HK$1,474/mo
Today · 4.125%
HK$49,571
baseline
▲ 0.50% · 4.625%
HK$52,587
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,142/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,893
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,285
−HK$1,411/mo
Today · 4.125%
HK$54,696
baseline
▲ 0.50% · 4.625%
HK$57,580
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,392/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,420
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,113
−HK$1,720/mo
Today · 4.125%
HK$57,833
baseline
▲ 0.50% · 4.625%
HK$61,352
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,666/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,542
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,165
−HK$1,648/mo
Today · 4.125%
HK$63,813
baseline
▲ 0.50% · 4.625%
HK$67,176
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,626/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,968
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,145
−HK$2,211/mo
Today · 4.125%
HK$74,356
baseline
▲ 0.50% · 4.625%
HK$78,881
+HK$4,525/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,712/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,839
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,927
−HK$2,118/mo
Today · 4.125%
HK$82,045
baseline
▲ 0.50% · 4.625%
HK$86,369
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,090/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,260 · Scale 2, in force from 26 Feb 2026)