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$38,889
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,099
−HK$1,229/mo
Today · 4.125%
HK$41,328
baseline
▲ 0.50% · 4.625%
HK$43,843
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,656/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,264
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,424
−HK$1,178/mo
Today · 4.125%
HK$45,602
baseline
▲ 0.50% · 4.625%
HK$48,005
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,204/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,667
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,119
−HK$1,475/mo
Today · 4.125%
HK$49,594
baseline
▲ 0.50% · 4.625%
HK$52,611
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,188/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,917
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,309
−HK$1,413/mo
Today · 4.125%
HK$54,722
baseline
▲ 0.50% · 4.625%
HK$57,606
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,444/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,445
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,139
−HK$1,720/mo
Today · 4.125%
HK$57,859
baseline
▲ 0.50% · 4.625%
HK$61,380
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,718/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,570
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,194
−HK$1,648/mo
Today · 4.125%
HK$63,842
baseline
▲ 0.50% · 4.625%
HK$67,207
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,684/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,001
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,178
−HK$2,213/mo
Today · 4.125%
HK$74,391
baseline
▲ 0.50% · 4.625%
HK$78,917
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,782/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,875
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,964
−HK$2,119/mo
Today · 4.125%
HK$82,083
baseline
▲ 0.50% · 4.625%
HK$86,409
+HK$4,326/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,166/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,557 · Scale 2, in force from 26 Feb 2026)