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$38,973
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,186
−HK$1,231/mo
Today · 4.125%
HK$41,417
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,834/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,520
−HK$1,180/mo
Today · 4.125%
HK$45,700
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,400/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,768
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,223
−HK$1,478/mo
Today · 4.125%
HK$49,701
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,402/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,029
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,425
−HK$1,415/mo
Today · 4.125%
HK$54,840
baseline
▲ 0.50% · 4.625%
HK$57,731
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,680/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,563
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,260
−HK$1,724/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,513
+HK$3,529/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,701
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,329
−HK$1,651/mo
Today · 4.125%
HK$63,980
baseline
▲ 0.50% · 4.625%
HK$67,353
+HK$3,373/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,960/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,152
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,334
−HK$2,217/mo
Today · 4.125%
HK$74,551
baseline
▲ 0.50% · 4.625%
HK$79,088
+HK$4,537/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,102/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,044
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,137
−HK$2,123/mo
Today · 4.125%
HK$82,260
baseline
▲ 0.50% · 4.625%
HK$86,596
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,520/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,940 · Scale 2, in force from 26 Feb 2026)