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$38,968
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,180
−HK$1,232/mo
Today · 4.125%
HK$41,412
baseline
▲ 0.50% · 4.625%
HK$43,932
+HK$2,520/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,824/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,352
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,514
−HK$1,180/mo
Today · 4.125%
HK$45,694
baseline
▲ 0.50% · 4.625%
HK$48,102
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,388/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,762
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,216
−HK$1,478/mo
Today · 4.125%
HK$49,694
baseline
▲ 0.50% · 4.625%
HK$52,718
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,388/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,022
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,417
−HK$1,416/mo
Today · 4.125%
HK$54,833
baseline
▲ 0.50% · 4.625%
HK$57,723
+HK$2,890/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,666/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,555
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,252
−HK$1,725/mo
Today · 4.125%
HK$57,977
baseline
▲ 0.50% · 4.625%
HK$61,504
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,954/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,692
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,651/mo
Today · 4.125%
HK$63,971
baseline
▲ 0.50% · 4.625%
HK$67,343
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,942/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,325
−HK$2,216/mo
Today · 4.125%
HK$74,541
baseline
▲ 0.50% · 4.625%
HK$79,077
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,082/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,033
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,126
−HK$2,123/mo
Today · 4.125%
HK$82,249
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,335/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,498/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,853 · Scale 2, in force from 26 Feb 2026)