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$38,883
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,093
−HK$1,229/mo
Today · 4.125%
HK$41,322
baseline
▲ 0.50% · 4.625%
HK$43,836
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,644/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,257
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,418
−HK$1,176/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$47,998
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,188/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,660
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,111
−HK$1,475/mo
Today · 4.125%
HK$49,586
baseline
▲ 0.50% · 4.625%
HK$52,603
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,172/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,909
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,301
−HK$1,412/mo
Today · 4.125%
HK$54,713
baseline
▲ 0.50% · 4.625%
HK$57,597
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,426/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,437
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,130
−HK$1,720/mo
Today · 4.125%
HK$57,850
baseline
▲ 0.50% · 4.625%
HK$61,371
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,700/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,560
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,185
−HK$1,647/mo
Today · 4.125%
HK$63,832
baseline
▲ 0.50% · 4.625%
HK$67,197
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,664/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,990
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,167
−HK$2,212/mo
Today · 4.125%
HK$74,379
baseline
▲ 0.50% · 4.625%
HK$78,905
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,758/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,863
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,952
−HK$2,118/mo
Today · 4.125%
HK$82,070
baseline
▲ 0.50% · 4.625%
HK$86,396
+HK$4,326/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,140/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,458 · Scale 2, in force from 26 Feb 2026)