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$38,936
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,147
−HK$1,231/mo
Today · 4.125%
HK$41,378
baseline
▲ 0.50% · 4.625%
HK$43,896
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,756/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,316
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,478
−HK$1,179/mo
Today · 4.125%
HK$45,657
baseline
▲ 0.50% · 4.625%
HK$48,063
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,314/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,724
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,177
−HK$1,477/mo
Today · 4.125%
HK$49,654
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,308/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,980
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,374
−HK$1,414/mo
Today · 4.125%
HK$54,788
baseline
▲ 0.50% · 4.625%
HK$57,676
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,576/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,511
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,206
−HK$1,723/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,525/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,643
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,650/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,288
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,085
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,265
−HK$2,215/mo
Today · 4.125%
HK$74,480
baseline
▲ 0.50% · 4.625%
HK$79,012
+HK$4,532/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,960/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,969
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,060
−HK$2,122/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$86,514
+HK$4,332/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,329 · Scale 2, in force from 26 Feb 2026)