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$38,915
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,125
−HK$1,230/mo
Today · 4.125%
HK$41,355
baseline
▲ 0.50% · 4.625%
HK$43,872
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,710/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,454
−HK$1,177/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,037
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,698
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,150
−HK$1,476/mo
Today · 4.125%
HK$49,626
baseline
▲ 0.50% · 4.625%
HK$52,646
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,252/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,951
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,344
−HK$1,414/mo
Today · 4.125%
HK$54,758
baseline
▲ 0.50% · 4.625%
HK$57,644
+HK$2,886/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,516/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,481
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,176
−HK$1,721/mo
Today · 4.125%
HK$57,897
baseline
▲ 0.50% · 4.625%
HK$61,420
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,794/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,609
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,235
−HK$1,649/mo
Today · 4.125%
HK$63,884
baseline
▲ 0.50% · 4.625%
HK$67,251
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,768/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,047
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,226
−HK$2,213/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,969
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,016
−HK$2,121/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$86,466
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,977 · Scale 2, in force from 26 Feb 2026)