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$38,866
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,075
−HK$1,228/mo
Today · 4.125%
HK$41,303
baseline
▲ 0.50% · 4.625%
HK$43,816
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,606/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,176/mo
Today · 4.125%
HK$45,574
baseline
▲ 0.50% · 4.625%
HK$47,976
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,148/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,639
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,090
−HK$1,474/mo
Today · 4.125%
HK$49,564
baseline
▲ 0.50% · 4.625%
HK$52,580
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,128/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,885
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,277
−HK$1,412/mo
Today · 4.125%
HK$54,689
baseline
▲ 0.50% · 4.625%
HK$57,571
+HK$2,882/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,378/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,412
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$56,105
−HK$1,719/mo
Today · 4.125%
HK$57,824
baseline
▲ 0.50% · 4.625%
HK$61,343
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,648/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,533
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,157
−HK$1,646/mo
Today · 4.125%
HK$63,803
baseline
▲ 0.50% · 4.625%
HK$67,167
+HK$3,364/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,606/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,959
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,135
−HK$2,211/mo
Today · 4.125%
HK$74,346
baseline
▲ 0.50% · 4.625%
HK$78,869
+HK$4,523/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,692/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,828
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,916
−HK$2,117/mo
Today · 4.125%
HK$82,033
baseline
▲ 0.50% · 4.625%
HK$86,357
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,066/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,170 · Scale 2, in force from 26 Feb 2026)