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$38,922
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,132
−HK$1,230/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,300
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,461
−HK$1,178/mo
Today · 4.125%
HK$45,639
baseline
▲ 0.50% · 4.625%
HK$48,045
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,278/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,706
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,159
−HK$1,476/mo
Today · 4.125%
HK$49,635
baseline
▲ 0.50% · 4.625%
HK$52,655
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,270/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,960
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,354
−HK$1,413/mo
Today · 4.125%
HK$54,767
baseline
▲ 0.50% · 4.625%
HK$57,654
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,534/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,490
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,185
−HK$1,722/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$61,431
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,620
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,246
−HK$1,649/mo
Today · 4.125%
HK$63,895
baseline
▲ 0.50% · 4.625%
HK$67,263
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,790/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,059
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,238
−HK$2,214/mo
Today · 4.125%
HK$74,452
baseline
▲ 0.50% · 4.625%
HK$78,983
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,904/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,940
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,030
−HK$2,121/mo
Today · 4.125%
HK$82,151
baseline
▲ 0.50% · 4.625%
HK$86,481
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,302/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,088 · Scale 2, in force from 26 Feb 2026)