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$38,946
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,231/mo
Today · 4.125%
HK$41,388
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,776/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,327
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,489
−HK$1,179/mo
Today · 4.125%
HK$45,668
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,336/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,735
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,189
−HK$1,477/mo
Today · 4.125%
HK$49,666
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,332/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,993
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,387
−HK$1,415/mo
Today · 4.125%
HK$54,802
baseline
▲ 0.50% · 4.625%
HK$57,690
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,604/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,524
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,220
−HK$1,724/mo
Today · 4.125%
HK$57,944
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,525/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,888/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,658
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,285
−HK$1,650/mo
Today · 4.125%
HK$63,935
baseline
▲ 0.50% · 4.625%
HK$67,305
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,870/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,103
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,283
−HK$2,216/mo
Today · 4.125%
HK$74,499
baseline
▲ 0.50% · 4.625%
HK$79,032
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,998/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,989
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,122/mo
Today · 4.125%
HK$82,202
baseline
▲ 0.50% · 4.625%
HK$86,535
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,404/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,489 · Scale 2, in force from 26 Feb 2026)