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$38,963
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,175
−HK$1,231/mo
Today · 4.125%
HK$41,406
baseline
▲ 0.50% · 4.625%
HK$43,926
+HK$2,520/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,812/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,346
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,508
−HK$1,180/mo
Today · 4.125%
HK$45,688
baseline
▲ 0.50% · 4.625%
HK$48,096
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,376/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,755
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,210
−HK$1,477/mo
Today · 4.125%
HK$49,687
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$3,024/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,374/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,015
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,410
−HK$1,415/mo
Today · 4.125%
HK$54,825
baseline
▲ 0.50% · 4.625%
HK$57,715
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,650/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,548
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,245
−HK$1,723/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,496
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,684
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,652/mo
Today · 4.125%
HK$63,963
baseline
▲ 0.50% · 4.625%
HK$67,334
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,926/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,133
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,314
−HK$2,217/mo
Today · 4.125%
HK$74,531
baseline
▲ 0.50% · 4.625%
HK$79,066
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,062/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,022
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,115
−HK$2,123/mo
Today · 4.125%
HK$82,238
baseline
▲ 0.50% · 4.625%
HK$86,572
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,476/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,763 · Scale 2, in force from 26 Feb 2026)