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$38,962
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,231/mo
Today · 4.125%
HK$41,405
baseline
▲ 0.50% · 4.625%
HK$43,924
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,810/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,345
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,507
−HK$1,179/mo
Today · 4.125%
HK$45,686
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,409/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,372/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,754
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,477/mo
Today · 4.125%
HK$49,686
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,372/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,415/mo
Today · 4.125%
HK$54,824
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,648/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,243
−HK$1,724/mo
Today · 4.125%
HK$57,967
baseline
▲ 0.50% · 4.625%
HK$61,494
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,934/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,310
−HK$1,651/mo
Today · 4.125%
HK$63,961
baseline
▲ 0.50% · 4.625%
HK$67,332
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,922/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,131
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,313
−HK$2,216/mo
Today · 4.125%
HK$74,529
baseline
▲ 0.50% · 4.625%
HK$79,064
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,058/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,020
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,113
−HK$2,123/mo
Today · 4.125%
HK$82,236
baseline
▲ 0.50% · 4.625%
HK$86,570
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,472/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,748 · Scale 2, in force from 26 Feb 2026)