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$38,905
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,229/mo
Today · 4.125%
HK$41,344
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,688/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,442
−HK$1,177/mo
Today · 4.125%
HK$45,619
baseline
▲ 0.50% · 4.625%
HK$48,024
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,238/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,475/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,632
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,937
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,330
−HK$1,413/mo
Today · 4.125%
HK$54,743
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$2,886/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,486/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,467
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,721/mo
Today · 4.125%
HK$57,882
baseline
▲ 0.50% · 4.625%
HK$61,404
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,764/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,594
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,648/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,028
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,207
−HK$2,213/mo
Today · 4.125%
HK$74,420
baseline
▲ 0.50% · 4.625%
HK$78,948
+HK$4,528/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,840/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,906
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,995
−HK$2,120/mo
Today · 4.125%
HK$82,115
baseline
▲ 0.50% · 4.625%
HK$86,443
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,230/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,808 · Scale 2, in force from 26 Feb 2026)