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$38,990
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,232/mo
Today · 4.125%
HK$41,435
baseline
▲ 0.50% · 4.625%
HK$43,956
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,870/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,540
−HK$1,180/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,410/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,788
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,244
−HK$1,478/mo
Today · 4.125%
HK$49,722
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,444/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,051
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,447
−HK$1,417/mo
Today · 4.125%
HK$54,864
baseline
▲ 0.50% · 4.625%
HK$57,756
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,728/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,586
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,284
−HK$1,725/mo
Today · 4.125%
HK$58,009
baseline
▲ 0.50% · 4.625%
HK$61,539
+HK$3,530/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,018/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,727
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,355
−HK$1,653/mo
Today · 4.125%
HK$64,008
baseline
▲ 0.50% · 4.625%
HK$67,381
+HK$3,373/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,016/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,182
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,365
−HK$2,218/mo
Today · 4.125%
HK$74,583
baseline
▲ 0.50% · 4.625%
HK$79,122
+HK$4,539/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,166/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,077
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,171
−HK$2,124/mo
Today · 4.125%
HK$82,295
baseline
▲ 0.50% · 4.625%
HK$86,633
+HK$4,338/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,590/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,214 · Scale 2, in force from 26 Feb 2026)