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$38,954
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,166
−HK$1,231/mo
Today · 4.125%
HK$41,397
baseline
▲ 0.50% · 4.625%
HK$43,916
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,794/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,336
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,180/mo
Today · 4.125%
HK$45,678
baseline
▲ 0.50% · 4.625%
HK$48,085
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,356/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,745
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,199
−HK$1,477/mo
Today · 4.125%
HK$49,676
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,352/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,003
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,398
−HK$1,415/mo
Today · 4.125%
HK$54,813
baseline
▲ 0.50% · 4.625%
HK$57,702
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,626/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,536
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,232
−HK$1,724/mo
Today · 4.125%
HK$57,956
baseline
▲ 0.50% · 4.625%
HK$61,482
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,912/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,671
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,298
−HK$1,651/mo
Today · 4.125%
HK$63,949
baseline
▲ 0.50% · 4.625%
HK$67,319
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,898/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,118
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,299
−HK$2,216/mo
Today · 4.125%
HK$74,515
baseline
▲ 0.50% · 4.625%
HK$79,049
+HK$4,534/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,030/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,005
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,097
−HK$2,123/mo
Today · 4.125%
HK$82,220
baseline
▲ 0.50% · 4.625%
HK$86,554
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,440/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,624 · Scale 2, in force from 26 Feb 2026)