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$38,958
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,170
−HK$1,231/mo
Today · 4.125%
HK$41,401
baseline
▲ 0.50% · 4.625%
HK$43,920
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,802/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,341
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,503
−HK$1,179/mo
Today · 4.125%
HK$45,682
baseline
▲ 0.50% · 4.625%
HK$48,090
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,364/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,750
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,477/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,704
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,009
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,404
−HK$1,415/mo
Today · 4.125%
HK$54,819
baseline
▲ 0.50% · 4.625%
HK$57,708
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,638/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,542
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,238
−HK$1,724/mo
Today · 4.125%
HK$57,962
baseline
▲ 0.50% · 4.625%
HK$61,489
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,924/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,677
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,651/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,326
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,125
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,306
−HK$2,216/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,044/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,013
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,105
−HK$2,123/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$86,562
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,689 · Scale 2, in force from 26 Feb 2026)