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$39,061
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,235/mo
Today · 4.125%
HK$41,511
baseline
▲ 0.50% · 4.625%
HK$44,037
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,022/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,455
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,621
−HK$1,182/mo
Today · 4.125%
HK$45,803
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,606/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,874
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,332
−HK$1,481/mo
Today · 4.125%
HK$49,813
baseline
▲ 0.50% · 4.625%
HK$52,844
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,626/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,146
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,545
−HK$1,419/mo
Today · 4.125%
HK$54,964
baseline
▲ 0.50% · 4.625%
HK$57,861
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,928/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,686
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,387
−HK$1,728/mo
Today · 4.125%
HK$58,115
baseline
▲ 0.50% · 4.625%
HK$61,651
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,230/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,838
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,469
−HK$1,655/mo
Today · 4.125%
HK$64,124
baseline
▲ 0.50% · 4.625%
HK$67,504
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,248/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,310
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,498
−HK$2,222/mo
Today · 4.125%
HK$74,720
baseline
▲ 0.50% · 4.625%
HK$79,266
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,220
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,318
−HK$2,128/mo
Today · 4.125%
HK$82,446
baseline
▲ 0.50% · 4.625%
HK$86,791
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,892/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,385 · Scale 2, in force from 26 Feb 2026)