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$38,944
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$40,155
−HK$1,231/mo
Today · 4.125%
HK$41,386
baseline
▲ 0.50% · 4.625%
HK$43,904
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,772/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,325
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,487
−HK$1,178/mo
Today · 4.125%
HK$45,665
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,330/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,733
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,186
−HK$1,477/mo
Today · 4.125%
HK$49,663
baseline
▲ 0.50% · 4.625%
HK$52,685
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,326/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,990
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,384
−HK$1,415/mo
Today · 4.125%
HK$54,799
baseline
▲ 0.50% · 4.625%
HK$57,687
+HK$2,888/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,598/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,521
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,723/mo
Today · 4.125%
HK$57,940
baseline
▲ 0.50% · 4.625%
HK$61,466
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$115,880/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,655
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,281
−HK$1,651/mo
Today · 4.125%
HK$63,932
baseline
▲ 0.50% · 4.625%
HK$67,302
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.96M · min. income ≈ HK$127,864/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,099
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,280
−HK$2,215/mo
Today · 4.125%
HK$74,495
baseline
▲ 0.50% · 4.625%
HK$79,028
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,990/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,984
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,076
−HK$2,122/mo
Today · 4.125%
HK$82,198
baseline
▲ 0.50% · 4.625%
HK$86,531
+HK$4,333/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,396/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,453 · Scale 2, in force from 26 Feb 2026)