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$39,014
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,227
−HK$1,233/mo
Today · 4.125%
HK$41,460
baseline
▲ 0.50% · 4.625%
HK$43,983
+HK$2,523/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,920/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,402
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,566
−HK$1,181/mo
Today · 4.125%
HK$45,747
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,494/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,816
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,272
−HK$1,480/mo
Today · 4.125%
HK$49,752
baseline
▲ 0.50% · 4.625%
HK$52,779
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,504/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,083
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,479
−HK$1,417/mo
Today · 4.125%
HK$54,896
baseline
▲ 0.50% · 4.625%
HK$57,790
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,792/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,619
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,318
−HK$1,726/mo
Today · 4.125%
HK$58,044
baseline
▲ 0.50% · 4.625%
HK$61,576
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,088/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,763
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,393
−HK$1,653/mo
Today · 4.125%
HK$64,046
baseline
▲ 0.50% · 4.625%
HK$67,422
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,092/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,224
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,409
−HK$2,219/mo
Today · 4.125%
HK$74,628
baseline
▲ 0.50% · 4.625%
HK$79,169
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,256/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,124
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,219
−HK$2,126/mo
Today · 4.125%
HK$82,345
baseline
▲ 0.50% · 4.625%
HK$86,685
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,690/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,598 · Scale 2, in force from 26 Feb 2026)