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$38,897
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,230/mo
Today · 4.125%
HK$41,337
baseline
▲ 0.50% · 4.625%
HK$43,852
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,674/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,273
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,178/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,015
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,677
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,129
−HK$1,475/mo
Today · 4.125%
HK$49,604
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,208/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,927
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,320
−HK$1,413/mo
Today · 4.125%
HK$54,733
baseline
▲ 0.50% · 4.625%
HK$57,618
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,466/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,456
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,150
−HK$1,721/mo
Today · 4.125%
HK$57,871
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,742/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,582
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,207
−HK$1,648/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,221
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,015
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,193
−HK$2,213/mo
Today · 4.125%
HK$74,406
baseline
▲ 0.50% · 4.625%
HK$78,933
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,812/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,891
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,980
−HK$2,119/mo
Today · 4.125%
HK$82,099
baseline
▲ 0.50% · 4.625%
HK$86,427
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,198/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,688 · Scale 2, in force from 26 Feb 2026)