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$38,927
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,138
−HK$1,230/mo
Today · 4.125%
HK$41,368
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,736/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,468
−HK$1,178/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,052
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,713
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,166
−HK$1,476/mo
Today · 4.125%
HK$49,642
baseline
▲ 0.50% · 4.625%
HK$52,663
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,284/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,968
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,361
−HK$1,414/mo
Today · 4.125%
HK$54,775
baseline
▲ 0.50% · 4.625%
HK$57,662
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,550/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,193
−HK$1,723/mo
Today · 4.125%
HK$57,916
baseline
▲ 0.50% · 4.625%
HK$61,440
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,832/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,629
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,255
−HK$1,649/mo
Today · 4.125%
HK$63,904
baseline
▲ 0.50% · 4.625%
HK$67,273
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,808/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,069
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,249
−HK$2,214/mo
Today · 4.125%
HK$74,463
baseline
▲ 0.50% · 4.625%
HK$78,994
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,926/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,951
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,042
−HK$2,121/mo
Today · 4.125%
HK$82,163
baseline
▲ 0.50% · 4.625%
HK$86,494
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,326/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,181 · Scale 2, in force from 26 Feb 2026)