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$39,059
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,274
−HK$1,235/mo
Today · 4.125%
HK$41,509
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,018/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,453
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,618
−HK$1,183/mo
Today · 4.125%
HK$45,801
baseline
▲ 0.50% · 4.625%
HK$48,215
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,602/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,871
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,329
−HK$1,481/mo
Today · 4.125%
HK$49,810
baseline
▲ 0.50% · 4.625%
HK$52,841
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,620/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,143
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,542
−HK$1,419/mo
Today · 4.125%
HK$54,961
baseline
▲ 0.50% · 4.625%
HK$57,858
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,922/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,683
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,384
−HK$1,728/mo
Today · 4.125%
HK$58,112
baseline
▲ 0.50% · 4.625%
HK$61,648
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,224/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,834
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,466
−HK$1,655/mo
Today · 4.125%
HK$64,121
baseline
▲ 0.50% · 4.625%
HK$67,501
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,242/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,306
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,493
−HK$2,222/mo
Today · 4.125%
HK$74,715
baseline
▲ 0.50% · 4.625%
HK$79,262
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,430/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,215
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,313
−HK$2,128/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$86,787
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,348 · Scale 2, in force from 26 Feb 2026)