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$38,810
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$40,018
−HK$1,226/mo
Today · 4.125%
HK$41,244
baseline
▲ 0.50% · 4.625%
HK$43,754
+HK$2,510/mo
Deposit HK$8.51M · loan HK$8.51M · min. income ≈ HK$82,488/mo (50% DSR)
Upfront cash ≈ HK$9.15M (deposit + AVD stamp duty HK$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$44,334
−HK$1,175/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$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,021
−HK$1,472/mo
Today · 4.125%
HK$49,493
baseline
▲ 0.50% · 4.625%
HK$52,505
+HK$3,012/mo
Deposit HK$6.81M · loan HK$10.21M · min. income ≈ HK$98,986/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,812
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,201
−HK$1,410/mo
Today · 4.125%
HK$54,611
baseline
▲ 0.50% · 4.625%
HK$57,489
+HK$2,878/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$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,335
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$56,025
−HK$1,717/mo
Today · 4.125%
HK$57,742
baseline
▲ 0.50% · 4.625%
HK$61,255
+HK$3,513/mo
Deposit HK$5.11M · loan HK$11.91M · min. income ≈ HK$115,484/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,447
−HK$3,266/mo
▼ 0.25% · 3.875%
HK$62,068
−HK$1,645/mo
Today · 4.125%
HK$63,713
baseline
▲ 0.50% · 4.625%
HK$67,071
+HK$3,358/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$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,859
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,032
−HK$2,208/mo
Today · 4.125%
HK$74,240
baseline
▲ 0.50% · 4.625%
HK$78,757
+HK$4,517/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$638,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,717
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,802
−HK$2,114/mo
Today · 4.125%
HK$81,916
baseline
▲ 0.50% · 4.625%
HK$86,234
+HK$4,318/mo
Deposit HK$1.70M · loan HK$15.32M · min. income ≈ HK$163,832/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$638,259 · Scale 2, in force from 26 Feb 2026)