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$39,041
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,256
−HK$1,234/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,598
−HK$1,182/mo
Today · 4.125%
HK$45,780
baseline
▲ 0.50% · 4.625%
HK$48,193
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,560/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,850
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,307
−HK$1,481/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,817
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,120
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,518
−HK$1,418/mo
Today · 4.125%
HK$54,936
baseline
▲ 0.50% · 4.625%
HK$57,831
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,872/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,658
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,358
−HK$1,728/mo
Today · 4.125%
HK$58,086
baseline
▲ 0.50% · 4.625%
HK$61,620
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,172/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,806
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,437
−HK$1,655/mo
Today · 4.125%
HK$64,092
baseline
▲ 0.50% · 4.625%
HK$67,470
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,184/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,275
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,460
−HK$2,221/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$79,226
+HK$4,545/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,180
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,276
−HK$2,128/mo
Today · 4.125%
HK$82,404
baseline
▲ 0.50% · 4.625%
HK$86,747
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,808/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,057 · Scale 2, in force from 26 Feb 2026)