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$38,940
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,151
−HK$1,231/mo
Today · 4.125%
HK$41,382
baseline
▲ 0.50% · 4.625%
HK$43,900
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,764/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,320
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,482
−HK$1,179/mo
Today · 4.125%
HK$45,661
baseline
▲ 0.50% · 4.625%
HK$48,067
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,322/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,728
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,181
−HK$1,477/mo
Today · 4.125%
HK$49,658
baseline
▲ 0.50% · 4.625%
HK$52,680
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,316/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,984
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,378
−HK$1,415/mo
Today · 4.125%
HK$54,793
baseline
▲ 0.50% · 4.625%
HK$57,681
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,586/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,516
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,212
−HK$1,722/mo
Today · 4.125%
HK$57,934
baseline
▲ 0.50% · 4.625%
HK$61,460
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,868/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,648
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,650/mo
Today · 4.125%
HK$63,925
baseline
▲ 0.50% · 4.625%
HK$67,294
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,850/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,092
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,272
−HK$2,215/mo
Today · 4.125%
HK$74,487
baseline
▲ 0.50% · 4.625%
HK$79,019
+HK$4,532/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,974/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,976
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,068
−HK$2,121/mo
Today · 4.125%
HK$82,189
baseline
▲ 0.50% · 4.625%
HK$86,521
+HK$4,332/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,378/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,386 · Scale 2, in force from 26 Feb 2026)