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$39,064
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,280
−HK$1,234/mo
Today · 4.125%
HK$41,514
baseline
▲ 0.50% · 4.625%
HK$44,040
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,028/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,459
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,624
−HK$1,183/mo
Today · 4.125%
HK$45,807
baseline
▲ 0.50% · 4.625%
HK$48,221
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,614/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,877
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,335
−HK$1,482/mo
Today · 4.125%
HK$49,817
baseline
▲ 0.50% · 4.625%
HK$52,848
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,634/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,150
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,549
−HK$1,419/mo
Today · 4.125%
HK$54,968
baseline
▲ 0.50% · 4.625%
HK$57,865
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,936/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,690
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,391
−HK$1,729/mo
Today · 4.125%
HK$58,120
baseline
▲ 0.50% · 4.625%
HK$61,656
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,240/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,842
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,474
−HK$1,655/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$67,510
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,316
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,503
−HK$2,222/mo
Today · 4.125%
HK$74,725
baseline
▲ 0.50% · 4.625%
HK$79,272
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,450/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,226
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,324
−HK$2,128/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$86,798
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,435 · Scale 2, in force from 26 Feb 2026)