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$38,932
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,143
−HK$1,230/mo
Today · 4.125%
HK$41,373
baseline
▲ 0.50% · 4.625%
HK$43,891
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,746/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,473
−HK$1,178/mo
Today · 4.125%
HK$45,651
baseline
▲ 0.50% · 4.625%
HK$48,058
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,302/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,718
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,171
−HK$1,477/mo
Today · 4.125%
HK$49,648
baseline
▲ 0.50% · 4.625%
HK$52,669
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,296/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,974
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,367
−HK$1,415/mo
Today · 4.125%
HK$54,782
baseline
▲ 0.50% · 4.625%
HK$57,669
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,564/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,505
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,200
−HK$1,723/mo
Today · 4.125%
HK$57,923
baseline
▲ 0.50% · 4.625%
HK$61,447
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,846/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,636
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,262
−HK$1,650/mo
Today · 4.125%
HK$63,912
baseline
▲ 0.50% · 4.625%
HK$67,281
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,824/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,077
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$2,215/mo
Today · 4.125%
HK$74,472
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,944/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,051
−HK$2,121/mo
Today · 4.125%
HK$82,172
baseline
▲ 0.50% · 4.625%
HK$86,504
+HK$4,332/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,255 · Scale 2, in force from 26 Feb 2026)