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$38,885
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,095
−HK$1,229/mo
Today · 4.125%
HK$41,324
baseline
▲ 0.50% · 4.625%
HK$43,838
+HK$2,514/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,648/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,260
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$44,420
−HK$1,177/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,000
+HK$2,403/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,663
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,114
−HK$1,475/mo
Today · 4.125%
HK$49,589
baseline
▲ 0.50% · 4.625%
HK$52,606
+HK$3,017/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,178/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,912
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$53,304
−HK$1,412/mo
Today · 4.125%
HK$54,716
baseline
▲ 0.50% · 4.625%
HK$57,600
+HK$2,884/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,432/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,440
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$56,133
−HK$1,720/mo
Today · 4.125%
HK$57,853
baseline
▲ 0.50% · 4.625%
HK$61,374
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,706/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,563
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,188
−HK$1,648/mo
Today · 4.125%
HK$63,836
baseline
▲ 0.50% · 4.625%
HK$67,200
+HK$3,364/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,672/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,994
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,171
−HK$2,212/mo
Today · 4.125%
HK$74,383
baseline
▲ 0.50% · 4.625%
HK$78,909
+HK$4,526/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,766/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,867
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,956
−HK$2,118/mo
Today · 4.125%
HK$82,074
baseline
▲ 0.50% · 4.625%
HK$86,401
+HK$4,327/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,148/mo (50% DSR)
Upfront cash ≈ HK$2.34M (deposit + AVD stamp duty HK$639,491 · Scale 2, in force from 26 Feb 2026)