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$38,914
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,230/mo
Today · 4.125%
HK$41,354
baseline
▲ 0.50% · 4.625%
HK$43,871
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,708/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,291
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,178/mo
Today · 4.125%
HK$45,630
baseline
▲ 0.50% · 4.625%
HK$48,036
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,260/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,149
−HK$1,476/mo
Today · 4.125%
HK$49,625
baseline
▲ 0.50% · 4.625%
HK$52,645
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,250/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,950
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,413/mo
Today · 4.125%
HK$54,756
baseline
▲ 0.50% · 4.625%
HK$57,643
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,512/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,480
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,174
−HK$1,722/mo
Today · 4.125%
HK$57,896
baseline
▲ 0.50% · 4.625%
HK$61,419
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,792/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,608
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,233
−HK$1,649/mo
Today · 4.125%
HK$63,882
baseline
▲ 0.50% · 4.625%
HK$67,250
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,764/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,045
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,224
−HK$2,214/mo
Today · 4.125%
HK$74,438
baseline
▲ 0.50% · 4.625%
HK$78,967
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,876/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,925
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,014
−HK$2,121/mo
Today · 4.125%
HK$82,135
baseline
▲ 0.50% · 4.625%
HK$86,464
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,270/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,961 · Scale 2, in force from 26 Feb 2026)