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$38,927
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,137
−HK$1,231/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,517/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,305
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,467
−HK$1,178/mo
Today · 4.125%
HK$45,645
baseline
▲ 0.50% · 4.625%
HK$48,051
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,290/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,712
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,165
−HK$1,476/mo
Today · 4.125%
HK$49,641
baseline
▲ 0.50% · 4.625%
HK$52,662
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,282/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,966
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,360
−HK$1,414/mo
Today · 4.125%
HK$54,774
baseline
▲ 0.50% · 4.625%
HK$57,661
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,548/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,497
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,192
−HK$1,723/mo
Today · 4.125%
HK$57,915
baseline
▲ 0.50% · 4.625%
HK$61,439
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,830/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,627
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,650/mo
Today · 4.125%
HK$63,903
baseline
▲ 0.50% · 4.625%
HK$67,271
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,806/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,068
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,247
−HK$2,215/mo
Today · 4.125%
HK$74,462
baseline
▲ 0.50% · 4.625%
HK$78,992
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,924/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,950
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,040
−HK$2,121/mo
Today · 4.125%
HK$82,161
baseline
▲ 0.50% · 4.625%
HK$86,492
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,322/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,167 · Scale 2, in force from 26 Feb 2026)