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$38,881
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$40,091
−HK$1,228/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,834
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,255
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,415
−HK$1,177/mo
Today · 4.125%
HK$45,592
baseline
▲ 0.50% · 4.625%
HK$47,995
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,184/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,657
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,109
−HK$1,474/mo
Today · 4.125%
HK$49,583
baseline
▲ 0.50% · 4.625%
HK$52,600
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,166/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,906
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,298
−HK$1,412/mo
Today · 4.125%
HK$54,710
baseline
▲ 0.50% · 4.625%
HK$57,594
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,420/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,434
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,127
−HK$1,720/mo
Today · 4.125%
HK$57,847
baseline
▲ 0.50% · 4.625%
HK$61,367
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,694/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,557
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,181
−HK$1,648/mo
Today · 4.125%
HK$63,829
baseline
▲ 0.50% · 4.625%
HK$67,193
+HK$3,364/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,658/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,986
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,163
−HK$2,212/mo
Today · 4.125%
HK$74,375
baseline
▲ 0.50% · 4.625%
HK$78,900
+HK$4,525/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,750/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,859
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,947
−HK$2,118/mo
Today · 4.125%
HK$82,065
baseline
▲ 0.50% · 4.625%
HK$86,391
+HK$4,326/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,130/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,421 · Scale 2, in force from 26 Feb 2026)