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$38,938
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,149
−HK$1,231/mo
Today · 4.125%
HK$41,380
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,517/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,760/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,318
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,480
−HK$1,178/mo
Today · 4.125%
HK$45,658
baseline
▲ 0.50% · 4.625%
HK$48,065
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,316/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,725
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,179
−HK$1,476/mo
Today · 4.125%
HK$49,655
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,310/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,982
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,376
−HK$1,414/mo
Today · 4.125%
HK$54,790
baseline
▲ 0.50% · 4.625%
HK$57,678
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,580/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,513
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,209
−HK$1,722/mo
Today · 4.125%
HK$57,931
baseline
▲ 0.50% · 4.625%
HK$61,456
+HK$3,525/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,862/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,645
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,272
−HK$1,650/mo
Today · 4.125%
HK$63,922
baseline
▲ 0.50% · 4.625%
HK$67,291
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,844/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,268
−HK$2,215/mo
Today · 4.125%
HK$74,483
baseline
▲ 0.50% · 4.625%
HK$79,015
+HK$4,532/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,966/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,972
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,063
−HK$2,122/mo
Today · 4.125%
HK$82,185
baseline
▲ 0.50% · 4.625%
HK$86,517
+HK$4,332/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,370/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,353 · Scale 2, in force from 26 Feb 2026)