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$38,963
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,175
−HK$1,232/mo
Today · 4.125%
HK$41,407
baseline
▲ 0.50% · 4.625%
HK$43,926
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,814/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,346
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,509
−HK$1,179/mo
Today · 4.125%
HK$45,688
baseline
▲ 0.50% · 4.625%
HK$48,097
+HK$2,409/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,376/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,756
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,211
−HK$1,477/mo
Today · 4.125%
HK$49,688
baseline
▲ 0.50% · 4.625%
HK$52,712
+HK$3,024/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,376/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,016
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,411
−HK$1,415/mo
Today · 4.125%
HK$54,826
baseline
▲ 0.50% · 4.625%
HK$57,716
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,652/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,246
−HK$1,724/mo
Today · 4.125%
HK$57,970
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,940/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,685
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,313
−HK$1,651/mo
Today · 4.125%
HK$63,964
baseline
▲ 0.50% · 4.625%
HK$67,335
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,928/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,134
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,316
−HK$2,216/mo
Today · 4.125%
HK$74,532
baseline
▲ 0.50% · 4.625%
HK$79,067
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,064/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,024
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,116
−HK$2,123/mo
Today · 4.125%
HK$82,239
baseline
▲ 0.50% · 4.625%
HK$86,574
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,478/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,774 · Scale 2, in force from 26 Feb 2026)