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$2,448/mo
▼ 0.25% · 3.875%
HK$40,255
−HK$1,234/mo
Today · 4.125%
HK$41,489
baseline
▲ 0.50% · 4.625%
HK$44,013
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,978/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,432
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,597
−HK$1,182/mo
Today · 4.125%
HK$45,779
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,558/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,849
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,306
−HK$1,481/mo
Today · 4.125%
HK$49,787
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,574/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,119
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,517
−HK$1,418/mo
Today · 4.125%
HK$54,935
baseline
▲ 0.50% · 4.625%
HK$57,830
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,870/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,657
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,357
−HK$1,727/mo
Today · 4.125%
HK$58,084
baseline
▲ 0.50% · 4.625%
HK$61,619
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,168/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,805
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,436
−HK$1,654/mo
Today · 4.125%
HK$64,090
baseline
▲ 0.50% · 4.625%
HK$67,469
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,180/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,273
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,459
−HK$2,221/mo
Today · 4.125%
HK$74,680
baseline
▲ 0.50% · 4.625%
HK$79,224
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,360/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,178
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,275
−HK$2,127/mo
Today · 4.125%
HK$82,402
baseline
▲ 0.50% · 4.625%
HK$86,745
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,804/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,043 · Scale 2, in force from 26 Feb 2026)