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$38,880
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,089
−HK$1,229/mo
Today · 4.125%
HK$41,318
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,636/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,253
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,413
−HK$1,177/mo
Today · 4.125%
HK$45,590
baseline
▲ 0.50% · 4.625%
HK$47,993
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,180/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,107
−HK$1,475/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,598
+HK$3,016/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,904
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,296
−HK$1,412/mo
Today · 4.125%
HK$54,708
baseline
▲ 0.50% · 4.625%
HK$57,592
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,416/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,125
−HK$1,720/mo
Today · 4.125%
HK$57,845
baseline
▲ 0.50% · 4.625%
HK$61,365
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,690/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,555
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,179
−HK$1,647/mo
Today · 4.125%
HK$63,826
baseline
▲ 0.50% · 4.625%
HK$67,191
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,652/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,161
−HK$2,211/mo
Today · 4.125%
HK$74,372
baseline
▲ 0.50% · 4.625%
HK$78,898
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,744/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,856
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,944
−HK$2,119/mo
Today · 4.125%
HK$82,063
baseline
▲ 0.50% · 4.625%
HK$86,388
+HK$4,325/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,126/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,400 · Scale 2, in force from 26 Feb 2026)