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$38,886
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,096
−HK$1,229/mo
Today · 4.125%
HK$41,325
baseline
▲ 0.50% · 4.625%
HK$43,839
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,650/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,261
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,421
−HK$1,177/mo
Today · 4.125%
HK$45,598
baseline
▲ 0.50% · 4.625%
HK$48,002
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,196/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,664
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,115
−HK$1,475/mo
Today · 4.125%
HK$49,590
baseline
▲ 0.50% · 4.625%
HK$52,607
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,180/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,913
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,305
−HK$1,413/mo
Today · 4.125%
HK$54,718
baseline
▲ 0.50% · 4.625%
HK$57,602
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,436/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,441
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,134
−HK$1,721/mo
Today · 4.125%
HK$57,855
baseline
▲ 0.50% · 4.625%
HK$61,375
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,710/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,565
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,189
−HK$1,648/mo
Today · 4.125%
HK$63,837
baseline
▲ 0.50% · 4.625%
HK$67,202
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,674/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,996
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,173
−HK$2,212/mo
Today · 4.125%
HK$74,385
baseline
▲ 0.50% · 4.625%
HK$78,911
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,770/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,869
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,958
−HK$2,118/mo
Today · 4.125%
HK$82,076
baseline
▲ 0.50% · 4.625%
HK$86,403
+HK$4,327/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,152/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,508 · Scale 2, in force from 26 Feb 2026)