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$38,946
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,158
−HK$1,231/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,178/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,736
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,190
−HK$1,477/mo
Today · 4.125%
HK$49,667
baseline
▲ 0.50% · 4.625%
HK$52,689
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,334/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,993
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,388
−HK$1,414/mo
Today · 4.125%
HK$54,802
baseline
▲ 0.50% · 4.625%
HK$57,691
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,604/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,525
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,221
−HK$1,723/mo
Today · 4.125%
HK$57,944
baseline
▲ 0.50% · 4.625%
HK$61,470
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,888/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,659
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,285
−HK$1,651/mo
Today · 4.125%
HK$63,936
baseline
▲ 0.50% · 4.625%
HK$67,306
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,872/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,104
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,284
−HK$2,216/mo
Today · 4.125%
HK$74,500
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,000/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,990
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,081
−HK$2,122/mo
Today · 4.125%
HK$82,203
baseline
▲ 0.50% · 4.625%
HK$86,536
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,406/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,496 · Scale 2, in force from 26 Feb 2026)