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$38,919
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,230/mo
Today · 4.125%
HK$41,359
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,718/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,178/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,155
−HK$1,476/mo
Today · 4.125%
HK$49,631
baseline
▲ 0.50% · 4.625%
HK$52,651
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,262/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,956
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,414/mo
Today · 4.125%
HK$54,763
baseline
▲ 0.50% · 4.625%
HK$57,650
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,526/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,486
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,181
−HK$1,722/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$61,426
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,615
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,241
−HK$1,649/mo
Today · 4.125%
HK$63,890
baseline
▲ 0.50% · 4.625%
HK$67,258
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,780/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,054
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,233
−HK$2,214/mo
Today · 4.125%
HK$74,447
baseline
▲ 0.50% · 4.625%
HK$78,976
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,894/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,934
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,024
−HK$2,120/mo
Today · 4.125%
HK$82,144
baseline
▲ 0.50% · 4.625%
HK$86,474
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,288/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,038 · Scale 2, in force from 26 Feb 2026)