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$38,906
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,116
−HK$1,229/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,861
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,443
−HK$1,177/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,025
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,687
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,139
−HK$1,475/mo
Today · 4.125%
HK$49,614
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,228/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,414/mo
Today · 4.125%
HK$54,745
baseline
▲ 0.50% · 4.625%
HK$57,630
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,490/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,468
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,162
−HK$1,721/mo
Today · 4.125%
HK$57,883
baseline
▲ 0.50% · 4.625%
HK$61,405
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,766/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,595
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,220
−HK$1,649/mo
Today · 4.125%
HK$63,869
baseline
▲ 0.50% · 4.625%
HK$67,235
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,738/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,030
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$2,213/mo
Today · 4.125%
HK$74,421
baseline
▲ 0.50% · 4.625%
HK$78,950
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,842/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,908
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,997
−HK$2,120/mo
Today · 4.125%
HK$82,117
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,234/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,822 · Scale 2, in force from 26 Feb 2026)