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$38,806
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,013
−HK$1,226/mo
Today · 4.125%
HK$41,239
baseline
▲ 0.50% · 4.625%
HK$43,748
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,478/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,171
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,329
−HK$1,174/mo
Today · 4.125%
HK$45,503
baseline
▲ 0.50% · 4.625%
HK$47,902
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,006/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,567
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,015
−HK$1,472/mo
Today · 4.125%
HK$49,487
baseline
▲ 0.50% · 4.625%
HK$52,498
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,974/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,805
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,194
−HK$1,410/mo
Today · 4.125%
HK$54,604
baseline
▲ 0.50% · 4.625%
HK$57,482
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,208/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,328
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,018
−HK$1,717/mo
Today · 4.125%
HK$57,735
baseline
▲ 0.50% · 4.625%
HK$61,248
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,470/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,439
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,060
−HK$1,645/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,063
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,850
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,023
−HK$2,207/mo
Today · 4.125%
HK$74,230
baseline
▲ 0.50% · 4.625%
HK$78,747
+HK$4,517/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,460/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,708
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,792
−HK$2,114/mo
Today · 4.125%
HK$81,906
baseline
▲ 0.50% · 4.625%
HK$86,223
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,812/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,179 · Scale 2, in force from 26 Feb 2026)