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$38,896
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,106
−HK$1,229/mo
Today · 4.125%
HK$41,335
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,670/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,271
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,432
−HK$1,177/mo
Today · 4.125%
HK$45,609
baseline
▲ 0.50% · 4.625%
HK$48,013
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,218/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,675
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,475/mo
Today · 4.125%
HK$49,602
baseline
▲ 0.50% · 4.625%
HK$52,620
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,204/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,925
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,318
−HK$1,413/mo
Today · 4.125%
HK$54,731
baseline
▲ 0.50% · 4.625%
HK$57,616
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,462/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,454
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,148
−HK$1,721/mo
Today · 4.125%
HK$57,869
baseline
▲ 0.50% · 4.625%
HK$61,390
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,738/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,580
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,649/mo
Today · 4.125%
HK$63,853
baseline
▲ 0.50% · 4.625%
HK$67,218
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,706/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,013
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,190
−HK$2,213/mo
Today · 4.125%
HK$74,403
baseline
▲ 0.50% · 4.625%
HK$78,930
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,806/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,888
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,977
−HK$2,119/mo
Today · 4.125%
HK$82,096
baseline
▲ 0.50% · 4.625%
HK$86,424
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,192/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,663 · Scale 2, in force from 26 Feb 2026)