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$38,960
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,172
−HK$1,231/mo
Today · 4.125%
HK$41,403
baseline
▲ 0.50% · 4.625%
HK$43,922
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,806/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,342
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,505
−HK$1,179/mo
Today · 4.125%
HK$45,684
baseline
▲ 0.50% · 4.625%
HK$48,092
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,368/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,752
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,206
−HK$1,477/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,011
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,406
−HK$1,415/mo
Today · 4.125%
HK$54,821
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,642/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,544
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,240
−HK$1,724/mo
Today · 4.125%
HK$57,964
baseline
▲ 0.50% · 4.625%
HK$61,491
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,928/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,679
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,307
−HK$1,650/mo
Today · 4.125%
HK$63,957
baseline
▲ 0.50% · 4.625%
HK$67,329
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,914/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,127
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$2,216/mo
Today · 4.125%
HK$74,525
baseline
▲ 0.50% · 4.625%
HK$79,060
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,050/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,016
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,108
−HK$2,123/mo
Today · 4.125%
HK$82,231
baseline
▲ 0.50% · 4.625%
HK$86,566
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,462/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,713 · Scale 2, in force from 26 Feb 2026)