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$39,016
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,229
−HK$1,233/mo
Today · 4.125%
HK$41,462
baseline
▲ 0.50% · 4.625%
HK$43,985
+HK$2,523/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,924/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,404
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,568
−HK$1,181/mo
Today · 4.125%
HK$45,749
baseline
▲ 0.50% · 4.625%
HK$48,161
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,498/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,819
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,275
−HK$1,480/mo
Today · 4.125%
HK$49,755
baseline
▲ 0.50% · 4.625%
HK$52,782
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,510/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,085
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,482
−HK$1,417/mo
Today · 4.125%
HK$54,899
baseline
▲ 0.50% · 4.625%
HK$57,793
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,798/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,622
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,321
−HK$1,726/mo
Today · 4.125%
HK$58,047
baseline
▲ 0.50% · 4.625%
HK$61,579
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,094/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,766
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,396
−HK$1,653/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,425
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,228
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,412
−HK$2,220/mo
Today · 4.125%
HK$74,632
baseline
▲ 0.50% · 4.625%
HK$79,173
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,264/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,128
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,223
−HK$2,126/mo
Today · 4.125%
HK$82,349
baseline
▲ 0.50% · 4.625%
HK$86,690
+HK$4,341/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,698/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,631 · Scale 2, in force from 26 Feb 2026)