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$38,949
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,230/mo
Today · 4.125%
HK$41,391
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,782/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,330
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,492
−HK$1,179/mo
Today · 4.125%
HK$45,671
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,342/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,739
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,193
−HK$1,477/mo
Today · 4.125%
HK$49,670
baseline
▲ 0.50% · 4.625%
HK$52,692
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,340/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,996
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,391
−HK$1,415/mo
Today · 4.125%
HK$54,806
baseline
▲ 0.50% · 4.625%
HK$57,695
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,612/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,529
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,225
−HK$1,723/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,474
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,663
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,651/mo
Today · 4.125%
HK$63,940
baseline
▲ 0.50% · 4.625%
HK$67,310
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,880/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,108
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,289
−HK$2,216/mo
Today · 4.125%
HK$74,505
baseline
▲ 0.50% · 4.625%
HK$79,038
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$149,010/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,995
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,086
−HK$2,122/mo
Today · 4.125%
HK$82,208
baseline
▲ 0.50% · 4.625%
HK$86,542
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,416/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,537 · Scale 2, in force from 26 Feb 2026)