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$38,924
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,134
−HK$1,230/mo
Today · 4.125%
HK$41,364
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,728/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,302
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,463
−HK$1,179/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,047
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,708
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,161
−HK$1,476/mo
Today · 4.125%
HK$49,637
baseline
▲ 0.50% · 4.625%
HK$52,658
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,274/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,963
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,356
−HK$1,414/mo
Today · 4.125%
HK$54,770
baseline
▲ 0.50% · 4.625%
HK$57,657
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,540/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,493
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,188
−HK$1,722/mo
Today · 4.125%
HK$57,910
baseline
▲ 0.50% · 4.625%
HK$61,434
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,820/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,623
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,249
−HK$1,649/mo
Today · 4.125%
HK$63,898
baseline
▲ 0.50% · 4.625%
HK$67,266
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,796/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,242
−HK$2,214/mo
Today · 4.125%
HK$74,456
baseline
▲ 0.50% · 4.625%
HK$78,987
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,912/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,944
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,034
−HK$2,121/mo
Today · 4.125%
HK$82,155
baseline
▲ 0.50% · 4.625%
HK$86,485
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,310/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,120 · Scale 2, in force from 26 Feb 2026)