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$38,921
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$40,131
−HK$1,231/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,878
+HK$2,516/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$44,460
−HK$1,178/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,044
+HK$2,406/mo
Deposit HK$8.53M · loan HK$8.53M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,705
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$48,158
−HK$1,476/mo
Today · 4.125%
HK$49,634
baseline
▲ 0.50% · 4.625%
HK$52,654
+HK$3,020/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$99,268/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,959
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,352
−HK$1,414/mo
Today · 4.125%
HK$54,766
baseline
▲ 0.50% · 4.625%
HK$57,653
+HK$2,887/mo
Deposit HK$6.83M · loan HK$10.24M · min. income ≈ HK$109,532/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,489
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$56,184
−HK$1,722/mo
Today · 4.125%
HK$57,906
baseline
▲ 0.50% · 4.625%
HK$61,430
+HK$3,524/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$115,812/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,619
−HK$3,275/mo
▼ 0.25% · 3.875%
HK$62,244
−HK$1,650/mo
Today · 4.125%
HK$63,894
baseline
▲ 0.50% · 4.625%
HK$67,262
+HK$3,368/mo
Deposit HK$5.12M · loan HK$11.95M · min. income ≈ HK$127,788/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,237
−HK$2,214/mo
Today · 4.125%
HK$74,451
baseline
▲ 0.50% · 4.625%
HK$78,981
+HK$4,530/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$148,902/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,938
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,029
−HK$2,120/mo
Today · 4.125%
HK$82,149
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,330/mo
Deposit HK$1.71M · loan HK$15.36M · min. income ≈ HK$164,298/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,074 · Scale 2, in force from 26 Feb 2026)