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$38,933
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,144
−HK$1,230/mo
Today · 4.125%
HK$41,374
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,748/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,312
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,474
−HK$1,178/mo
Today · 4.125%
HK$45,652
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,304/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,719
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,172
−HK$1,477/mo
Today · 4.125%
HK$49,649
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,298/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,975
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,369
−HK$1,414/mo
Today · 4.125%
HK$54,783
baseline
▲ 0.50% · 4.625%
HK$57,670
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,566/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,506
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,201
−HK$1,723/mo
Today · 4.125%
HK$57,924
baseline
▲ 0.50% · 4.625%
HK$61,448
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,848/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,637
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,263
−HK$1,650/mo
Today · 4.125%
HK$63,913
baseline
▲ 0.50% · 4.625%
HK$67,282
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,826/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,079
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,259
−HK$2,214/mo
Today · 4.125%
HK$74,473
baseline
▲ 0.50% · 4.625%
HK$79,005
+HK$4,532/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,946/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,053
−HK$2,121/mo
Today · 4.125%
HK$82,174
baseline
▲ 0.50% · 4.625%
HK$86,505
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,268 · Scale 2, in force from 26 Feb 2026)