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$40,019
−HK$1,226/mo
Today · 4.125%
HK$41,245
baseline
▲ 0.50% · 4.625%
HK$43,755
+HK$2,510/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$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,177
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,335
−HK$1,175/mo
Today · 4.125%
HK$45,510
baseline
▲ 0.50% · 4.625%
HK$47,909
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,020/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,574
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,022
−HK$1,472/mo
Today · 4.125%
HK$49,494
baseline
▲ 0.50% · 4.625%
HK$52,506
+HK$3,012/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$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,813
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,202
−HK$1,410/mo
Today · 4.125%
HK$54,612
baseline
▲ 0.50% · 4.625%
HK$57,491
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,224/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,336
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,026
−HK$1,717/mo
Today · 4.125%
HK$57,743
baseline
▲ 0.50% · 4.625%
HK$61,257
+HK$3,514/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$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,448
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,069
−HK$1,645/mo
Today · 4.125%
HK$63,714
baseline
▲ 0.50% · 4.625%
HK$67,072
+HK$3,358/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$127,428/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,033
−HK$2,208/mo
Today · 4.125%
HK$74,241
baseline
▲ 0.50% · 4.625%
HK$78,759
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,482/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,719
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,803
−HK$2,115/mo
Today · 4.125%
HK$81,918
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,836/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,272 · Scale 2, in force from 26 Feb 2026)