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$38,948
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,160
−HK$1,230/mo
Today · 4.125%
HK$41,390
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,780/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,329
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,491
−HK$1,179/mo
Today · 4.125%
HK$45,670
baseline
▲ 0.50% · 4.625%
HK$48,078
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,340/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,738
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,192
−HK$1,477/mo
Today · 4.125%
HK$49,669
baseline
▲ 0.50% · 4.625%
HK$52,691
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,338/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,995
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,390
−HK$1,414/mo
Today · 4.125%
HK$54,804
baseline
▲ 0.50% · 4.625%
HK$57,693
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,608/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,527
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,223
−HK$1,724/mo
Today · 4.125%
HK$57,947
baseline
▲ 0.50% · 4.625%
HK$61,473
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,894/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,661
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,288
−HK$1,650/mo
Today · 4.125%
HK$63,938
baseline
▲ 0.50% · 4.625%
HK$67,309
+HK$3,371/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,876/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,107
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$2,216/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$79,036
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,122/mo
Today · 4.125%
HK$82,207
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,414/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,522 · Scale 2, in force from 26 Feb 2026)