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$38,970
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,182
−HK$1,231/mo
Today · 4.125%
HK$41,413
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,520/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,826/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,353
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,516
−HK$1,180/mo
Today · 4.125%
HK$45,696
baseline
▲ 0.50% · 4.625%
HK$48,104
+HK$2,408/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,392/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,764
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,218
−HK$1,478/mo
Today · 4.125%
HK$49,696
baseline
▲ 0.50% · 4.625%
HK$52,720
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,392/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,024
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,419
−HK$1,416/mo
Today · 4.125%
HK$54,835
baseline
▲ 0.50% · 4.625%
HK$57,725
+HK$2,890/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,670/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,254
−HK$1,725/mo
Today · 4.125%
HK$57,979
baseline
▲ 0.50% · 4.625%
HK$61,507
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,958/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,695
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,322
−HK$1,652/mo
Today · 4.125%
HK$63,974
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,948/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,145
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,327
−HK$2,217/mo
Today · 4.125%
HK$74,544
baseline
▲ 0.50% · 4.625%
HK$79,080
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,088/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,036
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,129
−HK$2,123/mo
Today · 4.125%
HK$82,252
baseline
▲ 0.50% · 4.625%
HK$86,588
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,504/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,876 · Scale 2, in force from 26 Feb 2026)