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$38,888
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,097
−HK$1,229/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,841
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,423
−HK$1,177/mo
Today · 4.125%
HK$45,600
baseline
▲ 0.50% · 4.625%
HK$48,003
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,200/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,665
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,117
−HK$1,475/mo
Today · 4.125%
HK$49,592
baseline
▲ 0.50% · 4.625%
HK$52,609
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,184/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,915
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,307
−HK$1,413/mo
Today · 4.125%
HK$54,720
baseline
▲ 0.50% · 4.625%
HK$57,604
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,440/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,443
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,136
−HK$1,721/mo
Today · 4.125%
HK$57,857
baseline
▲ 0.50% · 4.625%
HK$61,378
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,714/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,567
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,192
−HK$1,648/mo
Today · 4.125%
HK$63,840
baseline
▲ 0.50% · 4.625%
HK$67,205
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,680/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$2,213/mo
Today · 4.125%
HK$74,388
baseline
▲ 0.50% · 4.625%
HK$78,914
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,776/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,961
−HK$2,118/mo
Today · 4.125%
HK$82,079
baseline
▲ 0.50% · 4.625%
HK$86,406
+HK$4,327/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,158/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,532 · Scale 2, in force from 26 Feb 2026)