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$38,955
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,167
−HK$1,231/mo
Today · 4.125%
HK$41,398
baseline
▲ 0.50% · 4.625%
HK$43,917
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,796/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,337
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,179/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,746
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,200
−HK$1,478/mo
Today · 4.125%
HK$49,678
baseline
▲ 0.50% · 4.625%
HK$52,700
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,356/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,005
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,399
−HK$1,415/mo
Today · 4.125%
HK$54,814
baseline
▲ 0.50% · 4.625%
HK$57,704
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,628/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,537
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,234
−HK$1,723/mo
Today · 4.125%
HK$57,957
baseline
▲ 0.50% · 4.625%
HK$61,484
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,914/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,672
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,299
−HK$1,651/mo
Today · 4.125%
HK$63,950
baseline
▲ 0.50% · 4.625%
HK$67,321
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,900/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,119
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$2,216/mo
Today · 4.125%
HK$74,516
baseline
▲ 0.50% · 4.625%
HK$79,051
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,032/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,007
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,099
−HK$2,123/mo
Today · 4.125%
HK$82,222
baseline
▲ 0.50% · 4.625%
HK$86,556
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,444/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,639 · Scale 2, in force from 26 Feb 2026)