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$38,920
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,230/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,877
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,298
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,459
−HK$1,178/mo
Today · 4.125%
HK$45,637
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,274/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,475/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,414/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$57,651
+HK$2,886/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,488
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,183
−HK$1,722/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$61,428
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,617
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,243
−HK$1,649/mo
Today · 4.125%
HK$63,892
baseline
▲ 0.50% · 4.625%
HK$67,260
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,784/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,056
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,235
−HK$2,214/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,979
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,936
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,026
−HK$2,121/mo
Today · 4.125%
HK$82,147
baseline
▲ 0.50% · 4.625%
HK$86,477
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,294/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,057 · Scale 2, in force from 26 Feb 2026)