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$39,063
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,278
−HK$1,234/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,457
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,622
−HK$1,183/mo
Today · 4.125%
HK$45,805
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,610/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,875
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,333
−HK$1,482/mo
Today · 4.125%
HK$49,815
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,630/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,148
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,547
−HK$1,419/mo
Today · 4.125%
HK$54,966
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,932/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,688
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,389
−HK$1,728/mo
Today · 4.125%
HK$58,117
baseline
▲ 0.50% · 4.625%
HK$61,654
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,234/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,840
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,471
−HK$1,656/mo
Today · 4.125%
HK$64,127
baseline
▲ 0.50% · 4.625%
HK$67,507
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,254/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,313
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,500
−HK$2,222/mo
Today · 4.125%
HK$74,722
baseline
▲ 0.50% · 4.625%
HK$79,269
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,444/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,222
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,320
−HK$2,129/mo
Today · 4.125%
HK$82,449
baseline
▲ 0.50% · 4.625%
HK$86,794
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,898/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,407 · Scale 2, in force from 26 Feb 2026)