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$38,905
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$40,115
−HK$1,230/mo
Today · 4.125%
HK$41,345
baseline
▲ 0.50% · 4.625%
HK$43,860
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,690/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,281
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,442
−HK$1,178/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,024
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,686
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,138
−HK$1,475/mo
Today · 4.125%
HK$49,613
baseline
▲ 0.50% · 4.625%
HK$52,632
+HK$3,019/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$99,226/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,938
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,331
−HK$1,413/mo
Today · 4.125%
HK$54,744
baseline
▲ 0.50% · 4.625%
HK$57,629
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.24M · min. income ≈ HK$109,488/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,467
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,721/mo
Today · 4.125%
HK$57,882
baseline
▲ 0.50% · 4.625%
HK$61,404
+HK$3,522/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,764/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,594
−HK$3,274/mo
▼ 0.25% · 3.875%
HK$62,219
−HK$1,649/mo
Today · 4.125%
HK$63,868
baseline
▲ 0.50% · 4.625%
HK$67,234
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,736/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,029
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,207
−HK$2,213/mo
Today · 4.125%
HK$74,420
baseline
▲ 0.50% · 4.625%
HK$78,949
+HK$4,529/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,840/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,906
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,996
−HK$2,119/mo
Today · 4.125%
HK$82,115
baseline
▲ 0.50% · 4.625%
HK$86,444
+HK$4,329/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,230/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,812 · Scale 2, in force from 26 Feb 2026)