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$39,045
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,018
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,437
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,602
−HK$1,182/mo
Today · 4.125%
HK$45,784
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,568/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,854
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,481/mo
Today · 4.125%
HK$49,792
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,584/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,124
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,522
−HK$1,418/mo
Today · 4.125%
HK$54,940
baseline
▲ 0.50% · 4.625%
HK$57,836
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,880/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,663
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,727/mo
Today · 4.125%
HK$58,090
baseline
▲ 0.50% · 4.625%
HK$61,625
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,180/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,812
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,442
−HK$1,655/mo
Today · 4.125%
HK$64,097
baseline
▲ 0.50% · 4.625%
HK$67,476
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,194/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,467
−HK$2,221/mo
Today · 4.125%
HK$74,688
baseline
▲ 0.50% · 4.625%
HK$79,232
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,376/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,283
−HK$2,127/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$86,754
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,111 · Scale 2, in force from 26 Feb 2026)