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$38,957
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,231/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,502
−HK$1,179/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,089
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,749
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,203
−HK$1,477/mo
Today · 4.125%
HK$49,680
baseline
▲ 0.50% · 4.625%
HK$52,703
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,360/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,007
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,402
−HK$1,415/mo
Today · 4.125%
HK$54,817
baseline
▲ 0.50% · 4.625%
HK$57,707
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,634/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,540
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,237
−HK$1,723/mo
Today · 4.125%
HK$57,960
baseline
▲ 0.50% · 4.625%
HK$61,487
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,920/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,675
−HK$3,278/mo
▼ 0.25% · 3.875%
HK$62,302
−HK$1,651/mo
Today · 4.125%
HK$63,953
baseline
▲ 0.50% · 4.625%
HK$67,324
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,906/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,123
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,304
−HK$2,216/mo
Today · 4.125%
HK$74,520
baseline
▲ 0.50% · 4.625%
HK$79,055
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,040/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,011
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,103
−HK$2,123/mo
Today · 4.125%
HK$82,226
baseline
▲ 0.50% · 4.625%
HK$86,560
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,452/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,671 · Scale 2, in force from 26 Feb 2026)