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$38,951
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,163
−HK$1,231/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,912
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,495
−HK$1,179/mo
Today · 4.125%
HK$45,674
baseline
▲ 0.50% · 4.625%
HK$48,081
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,348/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,741
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,195
−HK$1,477/mo
Today · 4.125%
HK$49,672
baseline
▲ 0.50% · 4.625%
HK$52,695
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,344/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,999
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,394
−HK$1,415/mo
Today · 4.125%
HK$54,809
baseline
▲ 0.50% · 4.625%
HK$57,698
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,618/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,531
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,228
−HK$1,723/mo
Today · 4.125%
HK$57,951
baseline
▲ 0.50% · 4.625%
HK$61,477
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,902/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,666
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,293
−HK$1,650/mo
Today · 4.125%
HK$63,943
baseline
▲ 0.50% · 4.625%
HK$67,314
+HK$3,371/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,886/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,112
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,293
−HK$2,215/mo
Today · 4.125%
HK$74,508
baseline
▲ 0.50% · 4.625%
HK$79,042
+HK$4,534/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,016/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,999
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,091
−HK$2,122/mo
Today · 4.125%
HK$82,213
baseline
▲ 0.50% · 4.625%
HK$86,546
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,426/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,570 · Scale 2, in force from 26 Feb 2026)