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$38,907
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,117
−HK$1,230/mo
Today · 4.125%
HK$41,347
baseline
▲ 0.50% · 4.625%
HK$43,863
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,694/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,284
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,444
−HK$1,178/mo
Today · 4.125%
HK$45,622
baseline
▲ 0.50% · 4.625%
HK$48,027
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,244/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,688
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,141
−HK$1,475/mo
Today · 4.125%
HK$49,616
baseline
▲ 0.50% · 4.625%
HK$52,635
+HK$3,019/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,232/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,940
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,333
−HK$1,413/mo
Today · 4.125%
HK$54,746
baseline
▲ 0.50% · 4.625%
HK$57,632
+HK$2,886/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,492/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,470
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,164
−HK$1,721/mo
Today · 4.125%
HK$57,885
baseline
▲ 0.50% · 4.625%
HK$61,408
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,770/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,597
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,649/mo
Today · 4.125%
HK$63,871
baseline
▲ 0.50% · 4.625%
HK$67,238
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,742/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,032
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$2,213/mo
Today · 4.125%
HK$74,424
baseline
▲ 0.50% · 4.625%
HK$78,953
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,848/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,910
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,120/mo
Today · 4.125%
HK$82,120
baseline
▲ 0.50% · 4.625%
HK$86,448
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,240/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,845 · Scale 2, in force from 26 Feb 2026)