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$38,900
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,110
−HK$1,229/mo
Today · 4.125%
HK$41,339
baseline
▲ 0.50% · 4.625%
HK$43,855
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,678/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,276
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,436
−HK$1,178/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,018
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,132
−HK$1,475/mo
Today · 4.125%
HK$49,607
baseline
▲ 0.50% · 4.625%
HK$52,626
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,214/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,931
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,324
−HK$1,412/mo
Today · 4.125%
HK$54,736
baseline
▲ 0.50% · 4.625%
HK$57,622
+HK$2,886/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,472/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,460
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,154
−HK$1,721/mo
Today · 4.125%
HK$57,875
baseline
▲ 0.50% · 4.625%
HK$61,396
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,750/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,586
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,211
−HK$1,648/mo
Today · 4.125%
HK$63,859
baseline
▲ 0.50% · 4.625%
HK$67,225
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,718/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,020
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,198
−HK$2,213/mo
Today · 4.125%
HK$74,411
baseline
▲ 0.50% · 4.625%
HK$78,938
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,822/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,896
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,985
−HK$2,120/mo
Today · 4.125%
HK$82,105
baseline
▲ 0.50% · 4.625%
HK$86,433
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,210/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,729 · Scale 2, in force from 26 Feb 2026)