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$38,969
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,181
−HK$1,231/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,932
+HK$2,520/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,352
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,515
−HK$1,180/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,763
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,217
−HK$1,478/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,719
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,023
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,415/mo
Today · 4.125%
HK$54,833
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,666/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,556
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,253
−HK$1,724/mo
Today · 4.125%
HK$57,977
baseline
▲ 0.50% · 4.625%
HK$61,505
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,954/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,693
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,321
−HK$1,651/mo
Today · 4.125%
HK$63,972
baseline
▲ 0.50% · 4.625%
HK$67,344
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,944/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,326
−HK$2,216/mo
Today · 4.125%
HK$74,542
baseline
▲ 0.50% · 4.625%
HK$79,078
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,084/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,034
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,127
−HK$2,123/mo
Today · 4.125%
HK$82,250
baseline
▲ 0.50% · 4.625%
HK$86,586
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,500/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,862 · Scale 2, in force from 26 Feb 2026)