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$38,920
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,230/mo
Today · 4.125%
HK$41,361
baseline
▲ 0.50% · 4.625%
HK$43,877
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,722/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,298
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,459
−HK$1,179/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,043
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,704
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,157
−HK$1,476/mo
Today · 4.125%
HK$49,633
baseline
▲ 0.50% · 4.625%
HK$52,653
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,266/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,958
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,351
−HK$1,414/mo
Today · 4.125%
HK$54,765
baseline
▲ 0.50% · 4.625%
HK$57,652
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,530/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,488
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,183
−HK$1,722/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$61,428
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,618
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,243
−HK$1,650/mo
Today · 4.125%
HK$63,893
baseline
▲ 0.50% · 4.625%
HK$67,260
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,786/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,056
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,235
−HK$2,214/mo
Today · 4.125%
HK$74,449
baseline
▲ 0.50% · 4.625%
HK$78,979
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,898/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,937
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,027
−HK$2,121/mo
Today · 4.125%
HK$82,148
baseline
▲ 0.50% · 4.625%
HK$86,478
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,296/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,062 · Scale 2, in force from 26 Feb 2026)