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$38,902
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,112
−HK$1,230/mo
Today · 4.125%
HK$41,342
baseline
▲ 0.50% · 4.625%
HK$43,857
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,684/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,278
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,439
−HK$1,177/mo
Today · 4.125%
HK$45,616
baseline
▲ 0.50% · 4.625%
HK$48,021
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,232/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,682
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,135
−HK$1,475/mo
Today · 4.125%
HK$49,610
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,220/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,934
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,327
−HK$1,413/mo
Today · 4.125%
HK$54,740
baseline
▲ 0.50% · 4.625%
HK$57,625
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,480/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,463
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,721/mo
Today · 4.125%
HK$57,878
baseline
▲ 0.50% · 4.625%
HK$61,400
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,756/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,589
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,214
−HK$1,649/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,229
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,024
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,202
−HK$2,213/mo
Today · 4.125%
HK$74,415
baseline
▲ 0.50% · 4.625%
HK$78,943
+HK$4,528/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,830/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,901
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,990
−HK$2,119/mo
Today · 4.125%
HK$82,109
baseline
▲ 0.50% · 4.625%
HK$86,438
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,218/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,765 · Scale 2, in force from 26 Feb 2026)