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$38,863
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$40,071
−HK$1,229/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,813
+HK$2,513/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,234
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$44,394
−HK$1,176/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$47,972
+HK$2,402/mo
Deposit HK$8.52M · loan HK$8.52M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,635
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,086
−HK$1,474/mo
Today · 4.125%
HK$49,560
baseline
▲ 0.50% · 4.625%
HK$52,575
+HK$3,015/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,120/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,881
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,273
−HK$1,411/mo
Today · 4.125%
HK$54,684
baseline
▲ 0.50% · 4.625%
HK$57,567
+HK$2,883/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,368/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,408
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$56,100
−HK$1,719/mo
Today · 4.125%
HK$57,819
baseline
▲ 0.50% · 4.625%
HK$61,338
+HK$3,519/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$115,638/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,528
−HK$3,270/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,647/mo
Today · 4.125%
HK$63,798
baseline
▲ 0.50% · 4.625%
HK$67,161
+HK$3,363/mo
Deposit HK$5.11M · loan HK$11.93M · min. income ≈ HK$127,596/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,953
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$2,210/mo
Today · 4.125%
HK$74,339
baseline
▲ 0.50% · 4.625%
HK$78,863
+HK$4,524/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$148,678/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,822
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,909
−HK$2,117/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$86,350
+HK$4,324/mo
Deposit HK$1.70M · loan HK$15.34M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,116 · Scale 2, in force from 26 Feb 2026)