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$38,903
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,113
−HK$1,230/mo
Today · 4.125%
HK$41,343
baseline
▲ 0.50% · 4.625%
HK$43,858
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,686/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,279
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,440
−HK$1,177/mo
Today · 4.125%
HK$45,617
baseline
▲ 0.50% · 4.625%
HK$48,022
+HK$2,405/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,234/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,684
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,136
−HK$1,475/mo
Today · 4.125%
HK$49,611
baseline
▲ 0.50% · 4.625%
HK$52,630
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,222/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,935
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,328
−HK$1,413/mo
Today · 4.125%
HK$54,741
baseline
▲ 0.50% · 4.625%
HK$57,626
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,482/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,464
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,722/mo
Today · 4.125%
HK$57,880
baseline
▲ 0.50% · 4.625%
HK$61,401
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,760/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,591
−HK$3,273/mo
▼ 0.25% · 3.875%
HK$62,216
−HK$1,648/mo
Today · 4.125%
HK$63,864
baseline
▲ 0.50% · 4.625%
HK$67,231
+HK$3,367/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,728/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,025
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$2,213/mo
Today · 4.125%
HK$74,417
baseline
▲ 0.50% · 4.625%
HK$78,945
+HK$4,528/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,834/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,903
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,992
−HK$2,119/mo
Today · 4.125%
HK$82,111
baseline
▲ 0.50% · 4.625%
HK$86,440
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,222/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,780 · Scale 2, in force from 26 Feb 2026)