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$38,912
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,123
−HK$1,230/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,869
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,451
−HK$1,178/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,034
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,695
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,147
−HK$1,476/mo
Today · 4.125%
HK$49,623
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,246/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,948
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,341
−HK$1,413/mo
Today · 4.125%
HK$54,754
baseline
▲ 0.50% · 4.625%
HK$57,640
+HK$2,886/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,508/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,477
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,172
−HK$1,722/mo
Today · 4.125%
HK$57,894
baseline
▲ 0.50% · 4.625%
HK$61,416
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,788/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,606
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,231
−HK$1,649/mo
Today · 4.125%
HK$63,880
baseline
▲ 0.50% · 4.625%
HK$67,247
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,760/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,042
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,221
−HK$2,214/mo
Today · 4.125%
HK$74,435
baseline
▲ 0.50% · 4.625%
HK$78,964
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,870/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,922
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,011
−HK$2,120/mo
Today · 4.125%
HK$82,131
baseline
▲ 0.50% · 4.625%
HK$86,461
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,262/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,937 · Scale 2, in force from 26 Feb 2026)