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$38,942
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,154
−HK$1,231/mo
Today · 4.125%
HK$41,385
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,770/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,323
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,485
−HK$1,179/mo
Today · 4.125%
HK$45,664
baseline
▲ 0.50% · 4.625%
HK$48,071
+HK$2,407/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,328/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,731
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$48,185
−HK$1,476/mo
Today · 4.125%
HK$49,661
baseline
▲ 0.50% · 4.625%
HK$52,683
+HK$3,022/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,322/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,988
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,382
−HK$1,414/mo
Today · 4.125%
HK$54,796
baseline
▲ 0.50% · 4.625%
HK$57,685
+HK$2,889/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,592/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,519
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$56,215
−HK$1,723/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$61,464
+HK$3,526/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,652
−HK$3,277/mo
▼ 0.25% · 3.875%
HK$62,279
−HK$1,650/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,299
+HK$3,370/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,096
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$2,215/mo
Today · 4.125%
HK$74,492
baseline
▲ 0.50% · 4.625%
HK$79,025
+HK$4,533/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,984/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,982
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,073
−HK$2,122/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$86,527
+HK$4,332/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,430 · Scale 2, in force from 26 Feb 2026)