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$38,882
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,092
−HK$1,229/mo
Today · 4.125%
HK$41,321
baseline
▲ 0.50% · 4.625%
HK$43,835
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,642/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,416
−HK$1,177/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$47,996
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,659
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,110
−HK$1,475/mo
Today · 4.125%
HK$49,585
baseline
▲ 0.50% · 4.625%
HK$52,602
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,170/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,907
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,299
−HK$1,413/mo
Today · 4.125%
HK$54,712
baseline
▲ 0.50% · 4.625%
HK$57,596
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,424/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,435
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,128
−HK$1,721/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$61,369
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,559
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,183
−HK$1,647/mo
Today · 4.125%
HK$63,830
baseline
▲ 0.50% · 4.625%
HK$67,195
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,660/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,988
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,165
−HK$2,212/mo
Today · 4.125%
HK$74,377
baseline
▲ 0.50% · 4.625%
HK$78,903
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,754/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,861
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,949
−HK$2,119/mo
Today · 4.125%
HK$82,068
baseline
▲ 0.50% · 4.625%
HK$86,393
+HK$4,325/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,136/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,439 · Scale 2, in force from 26 Feb 2026)