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$39,097
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,314
−HK$1,235/mo
Today · 4.125%
HK$41,549
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,098/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,496
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,183/mo
Today · 4.125%
HK$45,845
baseline
▲ 0.50% · 4.625%
HK$48,262
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,690/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,917
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,376
−HK$1,483/mo
Today · 4.125%
HK$49,859
baseline
▲ 0.50% · 4.625%
HK$52,893
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,718/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,195
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,594
−HK$1,421/mo
Today · 4.125%
HK$55,015
baseline
▲ 0.50% · 4.625%
HK$57,914
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,030/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,736
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,439
−HK$1,730/mo
Today · 4.125%
HK$58,169
baseline
▲ 0.50% · 4.625%
HK$61,708
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,338/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,894
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,527
−HK$1,657/mo
Today · 4.125%
HK$64,184
baseline
▲ 0.50% · 4.625%
HK$67,567
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,368/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,375
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,564
−HK$2,225/mo
Today · 4.125%
HK$74,789
baseline
▲ 0.50% · 4.625%
HK$79,339
+HK$4,550/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,578/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,292
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,392
−HK$2,130/mo
Today · 4.125%
HK$82,522
baseline
▲ 0.50% · 4.625%
HK$86,872
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,044/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,978 · Scale 2, in force from 26 Feb 2026)