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$38,965
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,177
−HK$1,231/mo
Today · 4.125%
HK$41,408
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,520/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,816/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,510
−HK$1,180/mo
Today · 4.125%
HK$45,690
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,380/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,758
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,212
−HK$1,478/mo
Today · 4.125%
HK$49,690
baseline
▲ 0.50% · 4.625%
HK$52,713
+HK$3,023/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,380/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,017
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,413
−HK$1,415/mo
Today · 4.125%
HK$54,828
baseline
▲ 0.50% · 4.625%
HK$57,718
+HK$2,890/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,656/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,551
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,247
−HK$1,724/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,687
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,651/mo
Today · 4.125%
HK$63,966
baseline
▲ 0.50% · 4.625%
HK$67,337
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,932/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,318
−HK$2,217/mo
Today · 4.125%
HK$74,535
baseline
▲ 0.50% · 4.625%
HK$79,070
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,070/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,026
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,119
−HK$2,123/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$86,577
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,796 · Scale 2, in force from 26 Feb 2026)