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$38,931
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,142
−HK$1,230/mo
Today · 4.125%
HK$41,372
baseline
▲ 0.50% · 4.625%
HK$43,889
+HK$2,517/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,744/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,472
−HK$1,178/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,717
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,170
−HK$1,476/mo
Today · 4.125%
HK$49,646
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,292/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,972
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,366
−HK$1,414/mo
Today · 4.125%
HK$54,780
baseline
▲ 0.50% · 4.625%
HK$57,667
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,560/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,503
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,198
−HK$1,723/mo
Today · 4.125%
HK$57,921
baseline
▲ 0.50% · 4.625%
HK$61,445
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,842/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,634
−HK$3,276/mo
▼ 0.25% · 3.875%
HK$62,260
−HK$1,650/mo
Today · 4.125%
HK$63,910
baseline
▲ 0.50% · 4.625%
HK$67,279
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,820/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,075
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,255
−HK$2,215/mo
Today · 4.125%
HK$74,470
baseline
▲ 0.50% · 4.625%
HK$79,001
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,940/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,958
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,049
−HK$2,121/mo
Today · 4.125%
HK$82,170
baseline
▲ 0.50% · 4.625%
HK$86,501
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,340/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,235 · Scale 2, in force from 26 Feb 2026)