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$38,918
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,129
−HK$1,230/mo
Today · 4.125%
HK$41,359
baseline
▲ 0.50% · 4.625%
HK$43,875
+HK$2,516/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$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,296
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,457
−HK$1,178/mo
Today · 4.125%
HK$45,635
baseline
▲ 0.50% · 4.625%
HK$48,041
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,270/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,702
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,154
−HK$1,476/mo
Today · 4.125%
HK$49,630
baseline
▲ 0.50% · 4.625%
HK$52,650
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,260/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,955
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,349
−HK$1,413/mo
Today · 4.125%
HK$54,762
baseline
▲ 0.50% · 4.625%
HK$57,649
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,524/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,180
−HK$1,722/mo
Today · 4.125%
HK$57,902
baseline
▲ 0.50% · 4.625%
HK$61,425
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,804/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,614
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,240
−HK$1,649/mo
Today · 4.125%
HK$63,889
baseline
▲ 0.50% · 4.625%
HK$67,257
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,778/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,053
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,232
−HK$2,213/mo
Today · 4.125%
HK$74,445
baseline
▲ 0.50% · 4.625%
HK$78,975
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,890/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,933
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,023
−HK$2,120/mo
Today · 4.125%
HK$82,143
baseline
▲ 0.50% · 4.625%
HK$86,473
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,286/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,028 · Scale 2, in force from 26 Feb 2026)