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$38,929
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,140
−HK$1,230/mo
Today · 4.125%
HK$41,370
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,518/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,740/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$44,470
−HK$1,178/mo
Today · 4.125%
HK$45,648
baseline
▲ 0.50% · 4.625%
HK$48,054
+HK$2,406/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,296/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,715
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,168
−HK$1,476/mo
Today · 4.125%
HK$49,644
baseline
▲ 0.50% · 4.625%
HK$52,665
+HK$3,021/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,288/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,970
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$53,364
−HK$1,414/mo
Today · 4.125%
HK$54,778
baseline
▲ 0.50% · 4.625%
HK$57,665
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,556/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,501
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$56,196
−HK$1,723/mo
Today · 4.125%
HK$57,919
baseline
▲ 0.50% · 4.625%
HK$61,443
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,838/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,632
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,258
−HK$1,649/mo
Today · 4.125%
HK$63,907
baseline
▲ 0.50% · 4.625%
HK$67,276
+HK$3,369/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,814/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,073
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,252
−HK$2,215/mo
Today · 4.125%
HK$74,467
baseline
▲ 0.50% · 4.625%
HK$78,998
+HK$4,531/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$148,934/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,955
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,046
−HK$2,121/mo
Today · 4.125%
HK$82,167
baseline
▲ 0.50% · 4.625%
HK$86,498
+HK$4,331/mo
Deposit HK$1.71M · loan HK$15.37M · min. income ≈ HK$164,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,211 · Scale 2, in force from 26 Feb 2026)