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$38,885
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,094
−HK$1,229/mo
Today · 4.125%
HK$41,323
baseline
▲ 0.50% · 4.625%
HK$43,837
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,646/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,259
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,419
−HK$1,177/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$47,999
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,662
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,113
−HK$1,475/mo
Today · 4.125%
HK$49,588
baseline
▲ 0.50% · 4.625%
HK$52,605
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,176/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,910
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,303
−HK$1,412/mo
Today · 4.125%
HK$54,715
baseline
▲ 0.50% · 4.625%
HK$57,599
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,430/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,438
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,720/mo
Today · 4.125%
HK$57,852
baseline
▲ 0.50% · 4.625%
HK$61,372
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,704/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,562
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,186
−HK$1,648/mo
Today · 4.125%
HK$63,834
baseline
▲ 0.50% · 4.625%
HK$67,199
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,668/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,992
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,169
−HK$2,212/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,907
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,866
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,954
−HK$2,119/mo
Today · 4.125%
HK$82,073
baseline
▲ 0.50% · 4.625%
HK$86,399
+HK$4,326/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,146/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,478 · Scale 2, in force from 26 Feb 2026)