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$38,923
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,133
−HK$1,230/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,517/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,301
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,178/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,046
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,707
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,160
−HK$1,476/mo
Today · 4.125%
HK$49,636
baseline
▲ 0.50% · 4.625%
HK$52,656
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,272/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,961
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,355
−HK$1,413/mo
Today · 4.125%
HK$54,768
baseline
▲ 0.50% · 4.625%
HK$57,655
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,536/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,492
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,187
−HK$1,722/mo
Today · 4.125%
HK$57,909
baseline
▲ 0.50% · 4.625%
HK$61,432
+HK$3,523/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,818/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,621
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,247
−HK$1,649/mo
Today · 4.125%
HK$63,896
baseline
▲ 0.50% · 4.625%
HK$67,265
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,792/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,061
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,240
−HK$2,214/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,942
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,032
−HK$2,121/mo
Today · 4.125%
HK$82,153
baseline
▲ 0.50% · 4.625%
HK$86,483
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,306/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,101 · Scale 2, in force from 26 Feb 2026)