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$39,004
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,217
−HK$1,233/mo
Today · 4.125%
HK$41,450
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,900/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,392
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,555
−HK$1,181/mo
Today · 4.125%
HK$45,736
baseline
▲ 0.50% · 4.625%
HK$48,147
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,472/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,805
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,261
−HK$1,479/mo
Today · 4.125%
HK$49,740
baseline
▲ 0.50% · 4.625%
HK$52,767
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,480/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,070
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,466
−HK$1,417/mo
Today · 4.125%
HK$54,883
baseline
▲ 0.50% · 4.625%
HK$57,776
+HK$2,893/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,766/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,606
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,304
−HK$1,726/mo
Today · 4.125%
HK$58,030
baseline
▲ 0.50% · 4.625%
HK$61,561
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,060/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,748
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,378
−HK$1,652/mo
Today · 4.125%
HK$64,030
baseline
▲ 0.50% · 4.625%
HK$67,405
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,060/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,207
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,391
−HK$2,219/mo
Today · 4.125%
HK$74,610
baseline
▲ 0.50% · 4.625%
HK$79,150
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,220/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,105
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,200
−HK$2,125/mo
Today · 4.125%
HK$82,325
baseline
▲ 0.50% · 4.625%
HK$86,664
+HK$4,339/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,650/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,443 · Scale 2, in force from 26 Feb 2026)