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$38,893
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$40,103
−HK$1,229/mo
Today · 4.125%
HK$41,332
baseline
▲ 0.50% · 4.625%
HK$43,847
+HK$2,515/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,664/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,268
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$44,429
−HK$1,177/mo
Today · 4.125%
HK$45,606
baseline
▲ 0.50% · 4.625%
HK$48,010
+HK$2,404/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,212/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,672
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$48,124
−HK$1,475/mo
Today · 4.125%
HK$49,599
baseline
▲ 0.50% · 4.625%
HK$52,617
+HK$3,018/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$99,198/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,922
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,314
−HK$1,413/mo
Today · 4.125%
HK$54,727
baseline
▲ 0.50% · 4.625%
HK$57,612
+HK$2,885/mo
Deposit HK$6.82M · loan HK$10.23M · min. income ≈ HK$109,454/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,450
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,721/mo
Today · 4.125%
HK$57,865
baseline
▲ 0.50% · 4.625%
HK$61,386
+HK$3,521/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$115,730/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,576
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$62,200
−HK$1,648/mo
Today · 4.125%
HK$63,848
baseline
▲ 0.50% · 4.625%
HK$67,214
+HK$3,366/mo
Deposit HK$5.12M · loan HK$11.94M · min. income ≈ HK$127,696/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,008
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,185
−HK$2,213/mo
Today · 4.125%
HK$74,398
baseline
▲ 0.50% · 4.625%
HK$78,925
+HK$4,527/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$148,796/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,883
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,972
−HK$2,119/mo
Today · 4.125%
HK$82,091
baseline
▲ 0.50% · 4.625%
HK$86,418
+HK$4,327/mo
Deposit HK$1.71M · loan HK$15.35M · min. income ≈ HK$164,182/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$639,619 · Scale 2, in force from 26 Feb 2026)