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$38,800
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$40,007
−HK$1,226/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,742
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,165
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,322
−HK$1,175/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$47,895
+HK$2,398/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,560
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,009
−HK$1,471/mo
Today · 4.125%
HK$49,480
baseline
▲ 0.50% · 4.625%
HK$52,491
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,960/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,798
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$53,187
−HK$1,409/mo
Today · 4.125%
HK$54,596
baseline
▲ 0.50% · 4.625%
HK$57,474
+HK$2,878/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,192/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,717/mo
Today · 4.125%
HK$57,727
baseline
▲ 0.50% · 4.625%
HK$61,239
+HK$3,512/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$115,454/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,431
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$62,051
−HK$1,645/mo
Today · 4.125%
HK$63,696
baseline
▲ 0.50% · 4.625%
HK$67,053
+HK$3,357/mo
Deposit HK$5.10M · loan HK$11.91M · min. income ≈ HK$127,392/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,840
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,013
−HK$2,207/mo
Today · 4.125%
HK$74,220
baseline
▲ 0.50% · 4.625%
HK$78,736
+HK$4,516/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$148,440/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,697
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,780
−HK$2,114/mo
Today · 4.125%
HK$81,894
baseline
▲ 0.50% · 4.625%
HK$86,211
+HK$4,317/mo
Deposit HK$1.70M · loan HK$15.31M · min. income ≈ HK$163,788/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,090 · Scale 2, in force from 26 Feb 2026)