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$38,815
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,227/mo
Today · 4.125%
HK$41,249
baseline
▲ 0.50% · 4.625%
HK$43,759
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,498/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,181
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,339
−HK$1,175/mo
Today · 4.125%
HK$45,514
baseline
▲ 0.50% · 4.625%
HK$47,913
+HK$2,399/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$91,028/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,578
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,027
−HK$1,472/mo
Today · 4.125%
HK$49,499
baseline
▲ 0.50% · 4.625%
HK$52,511
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,998/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,817
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,207
−HK$1,410/mo
Today · 4.125%
HK$54,617
baseline
▲ 0.50% · 4.625%
HK$57,496
+HK$2,879/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$109,234/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$56,031
−HK$1,718/mo
Today · 4.125%
HK$57,749
baseline
▲ 0.50% · 4.625%
HK$61,262
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$115,498/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,454
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,645/mo
Today · 4.125%
HK$63,720
baseline
▲ 0.50% · 4.625%
HK$67,079
+HK$3,359/mo
Deposit HK$5.11M · loan HK$11.92M · min. income ≈ HK$127,440/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,040
−HK$2,208/mo
Today · 4.125%
HK$74,248
baseline
▲ 0.50% · 4.625%
HK$78,766
+HK$4,518/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$148,496/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,726
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,811
−HK$2,114/mo
Today · 4.125%
HK$81,925
baseline
▲ 0.50% · 4.625%
HK$86,244
+HK$4,319/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,850/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,332 · Scale 2, in force from 26 Feb 2026)