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$38,947
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,159
−HK$1,230/mo
Today · 4.125%
HK$41,389
baseline
▲ 0.50% · 4.625%
HK$43,908
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,778/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,490
−HK$1,179/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,737
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,190
−HK$1,477/mo
Today · 4.125%
HK$49,667
baseline
▲ 0.50% · 4.625%
HK$52,690
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,334/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,994
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,388
−HK$1,415/mo
Today · 4.125%
HK$54,803
baseline
▲ 0.50% · 4.625%
HK$57,692
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,606/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,526
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,222
−HK$1,723/mo
Today · 4.125%
HK$57,945
baseline
▲ 0.50% · 4.625%
HK$61,471
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,890/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,660
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,286
−HK$1,651/mo
Today · 4.125%
HK$63,937
baseline
▲ 0.50% · 4.625%
HK$67,307
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,874/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,105
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,286
−HK$2,215/mo
Today · 4.125%
HK$74,501
baseline
▲ 0.50% · 4.625%
HK$79,034
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,002/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,083
−HK$2,122/mo
Today · 4.125%
HK$82,205
baseline
▲ 0.50% · 4.625%
HK$86,538
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,410/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,507 · Scale 2, in force from 26 Feb 2026)