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$38,880
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,090
−HK$1,229/mo
Today · 4.125%
HK$41,319
baseline
▲ 0.50% · 4.625%
HK$43,833
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,638/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,254
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,414
−HK$1,177/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$47,994
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,656
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,108
−HK$1,474/mo
Today · 4.125%
HK$49,582
baseline
▲ 0.50% · 4.625%
HK$52,599
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,164/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,905
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,297
−HK$1,412/mo
Today · 4.125%
HK$54,709
baseline
▲ 0.50% · 4.625%
HK$57,593
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,418/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,433
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,126
−HK$1,720/mo
Today · 4.125%
HK$57,846
baseline
▲ 0.50% · 4.625%
HK$61,366
+HK$3,520/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,692/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,556
−HK$3,271/mo
▼ 0.25% · 3.875%
HK$62,180
−HK$1,647/mo
Today · 4.125%
HK$63,827
baseline
▲ 0.50% · 4.625%
HK$67,192
+HK$3,365/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,654/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,162
−HK$2,211/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,899
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,857
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,945
−HK$2,119/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$86,389
+HK$4,325/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,409 · Scale 2, in force from 26 Feb 2026)