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$38,959
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,171
−HK$1,231/mo
Today · 4.125%
HK$41,402
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,519/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$82,804/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,342
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$44,504
−HK$1,179/mo
Today · 4.125%
HK$45,683
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,408/mo
Deposit HK$8.54M · loan HK$8.54M · min. income ≈ HK$91,366/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,751
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,205
−HK$1,478/mo
Today · 4.125%
HK$49,683
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$3,023/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$99,366/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,010
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,405
−HK$1,415/mo
Today · 4.125%
HK$54,820
baseline
▲ 0.50% · 4.625%
HK$57,710
+HK$2,890/mo
Deposit HK$6.83M · loan HK$10.25M · min. income ≈ HK$109,640/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,543
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$56,239
−HK$1,724/mo
Today · 4.125%
HK$57,963
baseline
▲ 0.50% · 4.625%
HK$61,490
+HK$3,527/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,926/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,678
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,651/mo
Today · 4.125%
HK$63,957
baseline
▲ 0.50% · 4.625%
HK$67,328
+HK$3,371/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,914/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,126
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,308
−HK$2,216/mo
Today · 4.125%
HK$74,524
baseline
▲ 0.50% · 4.625%
HK$79,059
+HK$4,535/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,048/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,015
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,107
−HK$2,123/mo
Today · 4.125%
HK$82,230
baseline
▲ 0.50% · 4.625%
HK$86,564
+HK$4,334/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,460/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,704 · Scale 2, in force from 26 Feb 2026)