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$38,956
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,168
−HK$1,231/mo
Today · 4.125%
HK$41,399
baseline
▲ 0.50% · 4.625%
HK$43,918
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,798/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,338
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,180/mo
Today · 4.125%
HK$45,680
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,360/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,747
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,201
−HK$1,478/mo
Today · 4.125%
HK$49,679
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,358/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,006
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,400
−HK$1,415/mo
Today · 4.125%
HK$54,815
baseline
▲ 0.50% · 4.625%
HK$57,705
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,630/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,235
−HK$1,723/mo
Today · 4.125%
HK$57,958
baseline
▲ 0.50% · 4.625%
HK$61,485
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,916/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,673
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,301
−HK$1,650/mo
Today · 4.125%
HK$63,951
baseline
▲ 0.50% · 4.625%
HK$67,322
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,902/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,121
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,302
−HK$2,216/mo
Today · 4.125%
HK$74,518
baseline
▲ 0.50% · 4.625%
HK$79,052
+HK$4,534/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,036/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,009
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,122/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,651 · Scale 2, in force from 26 Feb 2026)