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$38,913
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,124
−HK$1,229/mo
Today · 4.125%
HK$41,353
baseline
▲ 0.50% · 4.625%
HK$43,870
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,706/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,291
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,452
−HK$1,177/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,035
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,696
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,148
−HK$1,476/mo
Today · 4.125%
HK$49,624
baseline
▲ 0.50% · 4.625%
HK$52,644
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,248/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,949
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,342
−HK$1,413/mo
Today · 4.125%
HK$54,755
baseline
▲ 0.50% · 4.625%
HK$57,642
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,510/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,479
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,173
−HK$1,722/mo
Today · 4.125%
HK$57,895
baseline
▲ 0.50% · 4.625%
HK$61,418
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,790/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,607
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,232
−HK$1,649/mo
Today · 4.125%
HK$63,881
baseline
▲ 0.50% · 4.625%
HK$67,248
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,762/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,044
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,223
−HK$2,213/mo
Today · 4.125%
HK$74,436
baseline
▲ 0.50% · 4.625%
HK$78,965
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,872/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,923
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,013
−HK$2,120/mo
Today · 4.125%
HK$82,133
baseline
▲ 0.50% · 4.625%
HK$86,462
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,266/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,949 · Scale 2, in force from 26 Feb 2026)