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$38,892
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,102
−HK$1,229/mo
Today · 4.125%
HK$41,331
baseline
▲ 0.50% · 4.625%
HK$43,846
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,662/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,427
−HK$1,178/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,008
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,670
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,122
−HK$1,475/mo
Today · 4.125%
HK$49,597
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,194/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,920
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,313
−HK$1,412/mo
Today · 4.125%
HK$54,725
baseline
▲ 0.50% · 4.625%
HK$57,610
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,450/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,449
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,142
−HK$1,721/mo
Today · 4.125%
HK$57,863
baseline
▲ 0.50% · 4.625%
HK$61,384
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,726/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,574
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,198
−HK$1,648/mo
Today · 4.125%
HK$63,846
baseline
▲ 0.50% · 4.625%
HK$67,212
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,692/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,006
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,183
−HK$2,213/mo
Today · 4.125%
HK$74,396
baseline
▲ 0.50% · 4.625%
HK$78,922
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,792/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,880
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,969
−HK$2,119/mo
Today · 4.125%
HK$82,088
baseline
▲ 0.50% · 4.625%
HK$86,415
+HK$4,327/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,176/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,599 · Scale 2, in force from 26 Feb 2026)