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$38,934
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,145
−HK$1,230/mo
Today · 4.125%
HK$41,375
baseline
▲ 0.50% · 4.625%
HK$43,893
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,750/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,475
−HK$1,179/mo
Today · 4.125%
HK$45,654
baseline
▲ 0.50% · 4.625%
HK$48,060
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,308/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,721
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,174
−HK$1,476/mo
Today · 4.125%
HK$49,650
baseline
▲ 0.50% · 4.625%
HK$52,672
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,300/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,976
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,370
−HK$1,414/mo
Today · 4.125%
HK$54,784
baseline
▲ 0.50% · 4.625%
HK$57,672
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,568/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,507
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,203
−HK$1,723/mo
Today · 4.125%
HK$57,926
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,852/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,639
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,265
−HK$1,650/mo
Today · 4.125%
HK$63,915
baseline
▲ 0.50% · 4.625%
HK$67,284
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,830/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,081
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,261
−HK$2,215/mo
Today · 4.125%
HK$74,476
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,952/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,964
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,055
−HK$2,122/mo
Today · 4.125%
HK$82,177
baseline
▲ 0.50% · 4.625%
HK$86,508
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,288 · Scale 2, in force from 26 Feb 2026)