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$38,970
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,183
−HK$1,231/mo
Today · 4.125%
HK$41,414
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,520/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,828/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,354
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,517
−HK$1,179/mo
Today · 4.125%
HK$45,696
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,392/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,765
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,219
−HK$1,478/mo
Today · 4.125%
HK$49,697
baseline
▲ 0.50% · 4.625%
HK$52,721
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,394/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,025
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,420
−HK$1,416/mo
Today · 4.125%
HK$54,836
baseline
▲ 0.50% · 4.625%
HK$57,726
+HK$2,890/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,672/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,559
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,256
−HK$1,724/mo
Today · 4.125%
HK$57,980
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,960/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,696
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,324
−HK$1,651/mo
Today · 4.125%
HK$63,975
baseline
▲ 0.50% · 4.625%
HK$67,347
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,950/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,147
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,329
−HK$2,217/mo
Today · 4.125%
HK$74,546
baseline
▲ 0.50% · 4.625%
HK$79,081
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,092/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,038
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,130
−HK$2,124/mo
Today · 4.125%
HK$82,254
baseline
▲ 0.50% · 4.625%
HK$86,589
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,508/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,889 · Scale 2, in force from 26 Feb 2026)