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$38,967
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,179
−HK$1,232/mo
Today · 4.125%
HK$41,411
baseline
▲ 0.50% · 4.625%
HK$43,930
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,822/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,350
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,513
−HK$1,179/mo
Today · 4.125%
HK$45,692
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,409/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,384/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,760
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,215
−HK$1,478/mo
Today · 4.125%
HK$49,693
baseline
▲ 0.50% · 4.625%
HK$52,716
+HK$3,023/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,386/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,020
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,416
−HK$1,415/mo
Today · 4.125%
HK$54,831
baseline
▲ 0.50% · 4.625%
HK$57,721
+HK$2,890/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,662/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,554
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$56,251
−HK$1,724/mo
Today · 4.125%
HK$57,975
baseline
▲ 0.50% · 4.625%
HK$61,502
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,950/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,691
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,318
−HK$1,651/mo
Today · 4.125%
HK$63,969
baseline
▲ 0.50% · 4.625%
HK$67,341
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,938/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,141
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,322
−HK$2,217/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$79,075
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,078/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,031
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,123/mo
Today · 4.125%
HK$82,246
baseline
▲ 0.50% · 4.625%
HK$86,582
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,492/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,833 · Scale 2, in force from 26 Feb 2026)