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$2,444/mo
▼ 0.25% · 3.875%
HK$40,174
−HK$1,232/mo
Today · 4.125%
HK$41,406
baseline
▲ 0.50% · 4.625%
HK$43,925
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,812/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,345
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,179/mo
Today · 4.125%
HK$45,687
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,374/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,755
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,209
−HK$1,478/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,014
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,409
−HK$1,416/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$57,714
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,244
−HK$1,724/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,683
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,651/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,333
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,924/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,132
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,314
−HK$2,216/mo
Today · 4.125%
HK$74,530
baseline
▲ 0.50% · 4.625%
HK$79,065
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,060/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,022
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,114
−HK$2,123/mo
Today · 4.125%
HK$82,237
baseline
▲ 0.50% · 4.625%
HK$86,572
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,474/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,758 · Scale 2, in force from 26 Feb 2026)