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$38,899
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,109
−HK$1,230/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,854
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,275
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,177/mo
Today · 4.125%
HK$45,613
baseline
▲ 0.50% · 4.625%
HK$48,018
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,226/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,679
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,131
−HK$1,475/mo
Today · 4.125%
HK$49,606
baseline
▲ 0.50% · 4.625%
HK$52,625
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,212/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,930
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,323
−HK$1,413/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$57,621
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,153
−HK$1,721/mo
Today · 4.125%
HK$57,874
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,748/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,585
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,210
−HK$1,649/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,225
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,019
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,197
−HK$2,213/mo
Today · 4.125%
HK$74,410
baseline
▲ 0.50% · 4.625%
HK$78,937
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,820/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,895
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,984
−HK$2,120/mo
Today · 4.125%
HK$82,104
baseline
▲ 0.50% · 4.625%
HK$86,432
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,208/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,721 · Scale 2, in force from 26 Feb 2026)