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$38,972
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,184
−HK$1,232/mo
Today · 4.125%
HK$41,416
baseline
▲ 0.50% · 4.625%
HK$43,936
+HK$2,520/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,832/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,356
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,180/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,107
+HK$2,408/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,767
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,221
−HK$1,478/mo
Today · 4.125%
HK$49,699
baseline
▲ 0.50% · 4.625%
HK$52,723
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$99,398/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,027
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,423
−HK$1,415/mo
Today · 4.125%
HK$54,838
baseline
▲ 0.50% · 4.625%
HK$57,729
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.25M · min. income ≈ HK$109,676/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,561
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,258
−HK$1,725/mo
Today · 4.125%
HK$57,983
baseline
▲ 0.50% · 4.625%
HK$61,511
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,966/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,699
−HK$3,279/mo
▼ 0.25% · 3.875%
HK$62,327
−HK$1,651/mo
Today · 4.125%
HK$63,978
baseline
▲ 0.50% · 4.625%
HK$67,350
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,956/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,150
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$2,217/mo
Today · 4.125%
HK$74,549
baseline
▲ 0.50% · 4.625%
HK$79,085
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,098/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,041
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,134
−HK$2,123/mo
Today · 4.125%
HK$82,257
baseline
▲ 0.50% · 4.625%
HK$86,593
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,514/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,919 · Scale 2, in force from 26 Feb 2026)