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$39,030
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,244
−HK$1,233/mo
Today · 4.125%
HK$41,477
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,954/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,584
−HK$1,182/mo
Today · 4.125%
HK$45,766
baseline
▲ 0.50% · 4.625%
HK$48,178
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,532/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,480/mo
Today · 4.125%
HK$49,772
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,544/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,104
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,501
−HK$1,418/mo
Today · 4.125%
HK$54,919
baseline
▲ 0.50% · 4.625%
HK$57,814
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,838/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,641
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,341
−HK$1,727/mo
Today · 4.125%
HK$58,068
baseline
▲ 0.50% · 4.625%
HK$61,601
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,136/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,788
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,418
−HK$1,654/mo
Today · 4.125%
HK$64,072
baseline
▲ 0.50% · 4.625%
HK$67,449
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,144/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,253
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$2,221/mo
Today · 4.125%
HK$74,659
baseline
▲ 0.50% · 4.625%
HK$79,201
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,318/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,156
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,252
−HK$2,126/mo
Today · 4.125%
HK$82,378
baseline
▲ 0.50% · 4.625%
HK$86,721
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,756/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,861 · Scale 2, in force from 26 Feb 2026)