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$38,941
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,152
−HK$1,231/mo
Today · 4.125%
HK$41,383
baseline
▲ 0.50% · 4.625%
HK$43,901
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,766/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,321
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,483
−HK$1,179/mo
Today · 4.125%
HK$45,662
baseline
▲ 0.50% · 4.625%
HK$48,069
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,324/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,729
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,183
−HK$1,476/mo
Today · 4.125%
HK$49,659
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,318/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,986
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,380
−HK$1,414/mo
Today · 4.125%
HK$54,794
baseline
▲ 0.50% · 4.625%
HK$57,682
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,588/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,517
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,213
−HK$1,723/mo
Today · 4.125%
HK$57,936
baseline
▲ 0.50% · 4.625%
HK$61,461
+HK$3,525/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,872/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,650
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,276
−HK$1,650/mo
Today · 4.125%
HK$63,926
baseline
▲ 0.50% · 4.625%
HK$67,296
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,852/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,093
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,274
−HK$2,215/mo
Today · 4.125%
HK$74,489
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$4,532/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,978/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,978
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,070
−HK$2,121/mo
Today · 4.125%
HK$82,191
baseline
▲ 0.50% · 4.625%
HK$86,524
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,382/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,402 · Scale 2, in force from 26 Feb 2026)