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$38,811
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,227/mo
Today · 4.125%
HK$41,245
baseline
▲ 0.50% · 4.625%
HK$43,754
+HK$2,509/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,490/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,177
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$44,335
−HK$1,174/mo
Today · 4.125%
HK$45,509
baseline
▲ 0.50% · 4.625%
HK$47,908
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,018/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,472/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$3,011/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,988/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,812
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,202
−HK$1,409/mo
Today · 4.125%
HK$54,611
baseline
▲ 0.50% · 4.625%
HK$57,490
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,222/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,335
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,025
−HK$1,718/mo
Today · 4.125%
HK$57,743
baseline
▲ 0.50% · 4.625%
HK$61,256
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,486/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,447
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,644/mo
Today · 4.125%
HK$63,713
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,426/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,033
−HK$2,207/mo
Today · 4.125%
HK$74,240
baseline
▲ 0.50% · 4.625%
HK$78,758
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,480/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,718
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,115/mo
Today · 4.125%
HK$81,917
baseline
▲ 0.50% · 4.625%
HK$86,235
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,834/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,266 · Scale 2, in force from 26 Feb 2026)