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$38,929
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,231/mo
Today · 4.125%
HK$41,371
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,517/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,742/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,309
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,178/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,055
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,715
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,168
−HK$1,477/mo
Today · 4.125%
HK$49,645
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,290/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,970
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,364
−HK$1,414/mo
Today · 4.125%
HK$54,778
baseline
▲ 0.50% · 4.625%
HK$57,666
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,556/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,501
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,197
−HK$1,722/mo
Today · 4.125%
HK$57,919
baseline
▲ 0.50% · 4.625%
HK$61,443
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,838/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,632
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,650/mo
Today · 4.125%
HK$63,908
baseline
▲ 0.50% · 4.625%
HK$67,277
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,816/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,073
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,253
−HK$2,214/mo
Today · 4.125%
HK$74,467
baseline
▲ 0.50% · 4.625%
HK$78,998
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,934/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,956
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,046
−HK$2,121/mo
Today · 4.125%
HK$82,167
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,216 · Scale 2, in force from 26 Feb 2026)