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$38,897
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,107
−HK$1,229/mo
Today · 4.125%
HK$41,336
baseline
▲ 0.50% · 4.625%
HK$43,851
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,672/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,272
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,433
−HK$1,177/mo
Today · 4.125%
HK$45,610
baseline
▲ 0.50% · 4.625%
HK$48,014
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,220/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,676
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,128
−HK$1,475/mo
Today · 4.125%
HK$49,603
baseline
▲ 0.50% · 4.625%
HK$52,621
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,206/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,927
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,413/mo
Today · 4.125%
HK$54,732
baseline
▲ 0.50% · 4.625%
HK$57,617
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,464/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,456
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,721/mo
Today · 4.125%
HK$57,870
baseline
▲ 0.50% · 4.625%
HK$61,392
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,740/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,581
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,206
−HK$1,648/mo
Today · 4.125%
HK$63,854
baseline
▲ 0.50% · 4.625%
HK$67,220
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,708/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,014
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,192
−HK$2,213/mo
Today · 4.125%
HK$74,405
baseline
▲ 0.50% · 4.625%
HK$78,932
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,810/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,890
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,979
−HK$2,119/mo
Today · 4.125%
HK$82,098
baseline
▲ 0.50% · 4.625%
HK$86,426
+HK$4,328/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,196/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,679 · Scale 2, in force from 26 Feb 2026)