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$38,919
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,130
−HK$1,230/mo
Today · 4.125%
HK$41,360
baseline
▲ 0.50% · 4.625%
HK$43,876
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,720/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,458
−HK$1,178/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,042
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,703
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,156
−HK$1,476/mo
Today · 4.125%
HK$49,632
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,264/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,957
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,350
−HK$1,414/mo
Today · 4.125%
HK$54,764
baseline
▲ 0.50% · 4.625%
HK$57,650
+HK$2,886/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,528/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,487
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,182
−HK$1,722/mo
Today · 4.125%
HK$57,904
baseline
▲ 0.50% · 4.625%
HK$61,427
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,808/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,616
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,242
−HK$1,649/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,259
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,055
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,234
−HK$2,214/mo
Today · 4.125%
HK$74,448
baseline
▲ 0.50% · 4.625%
HK$78,978
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,896/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,935
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,025
−HK$2,121/mo
Today · 4.125%
HK$82,146
baseline
▲ 0.50% · 4.625%
HK$86,476
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,292/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,047 · Scale 2, in force from 26 Feb 2026)