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$38,895
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,105
−HK$1,229/mo
Today · 4.125%
HK$41,334
baseline
▲ 0.50% · 4.625%
HK$43,850
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,668/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,271
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,431
−HK$1,177/mo
Today · 4.125%
HK$45,608
baseline
▲ 0.50% · 4.625%
HK$48,013
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,216/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,674
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,126
−HK$1,475/mo
Today · 4.125%
HK$49,601
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,202/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,925
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,317
−HK$1,413/mo
Today · 4.125%
HK$54,730
baseline
▲ 0.50% · 4.625%
HK$57,615
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,460/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,454
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,147
−HK$1,721/mo
Today · 4.125%
HK$57,868
baseline
▲ 0.50% · 4.625%
HK$61,389
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,736/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,579
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,204
−HK$1,648/mo
Today · 4.125%
HK$63,852
baseline
▲ 0.50% · 4.625%
HK$67,218
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,704/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,012
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,189
−HK$2,213/mo
Today · 4.125%
HK$74,402
baseline
▲ 0.50% · 4.625%
HK$78,929
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,804/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,887
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,976
−HK$2,119/mo
Today · 4.125%
HK$82,095
baseline
▲ 0.50% · 4.625%
HK$86,423
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,190/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,655 · Scale 2, in force from 26 Feb 2026)