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$38,945
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,157
−HK$1,230/mo
Today · 4.125%
HK$41,387
baseline
▲ 0.50% · 4.625%
HK$43,906
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,774/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,326
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,179/mo
Today · 4.125%
HK$45,667
baseline
▲ 0.50% · 4.625%
HK$48,074
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,334/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,734
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,188
−HK$1,477/mo
Today · 4.125%
HK$49,665
baseline
▲ 0.50% · 4.625%
HK$52,687
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,330/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,991
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,386
−HK$1,414/mo
Today · 4.125%
HK$54,800
baseline
▲ 0.50% · 4.625%
HK$57,689
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,600/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,523
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,219
−HK$1,723/mo
Today · 4.125%
HK$57,942
baseline
▲ 0.50% · 4.625%
HK$61,468
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,884/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,657
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,283
−HK$1,651/mo
Today · 4.125%
HK$63,934
baseline
▲ 0.50% · 4.625%
HK$67,304
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,868/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,101
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,282
−HK$2,215/mo
Today · 4.125%
HK$74,497
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,994/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,987
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,079
−HK$2,121/mo
Today · 4.125%
HK$82,200
baseline
▲ 0.50% · 4.625%
HK$86,533
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,400/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,474 · Scale 2, in force from 26 Feb 2026)