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$39,002
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,232/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,389
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,181/mo
Today · 4.125%
HK$45,733
baseline
▲ 0.50% · 4.625%
HK$48,144
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,466/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,802
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,258
−HK$1,479/mo
Today · 4.125%
HK$49,737
baseline
▲ 0.50% · 4.625%
HK$52,763
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,474/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,067
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,463
−HK$1,417/mo
Today · 4.125%
HK$54,880
baseline
▲ 0.50% · 4.625%
HK$57,772
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,760/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,602
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,301
−HK$1,725/mo
Today · 4.125%
HK$58,026
baseline
▲ 0.50% · 4.625%
HK$61,557
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,052/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,744
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,373
−HK$1,653/mo
Today · 4.125%
HK$64,026
baseline
▲ 0.50% · 4.625%
HK$67,401
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,052/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,203
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,386
−HK$2,219/mo
Today · 4.125%
HK$74,605
baseline
▲ 0.50% · 4.625%
HK$79,145
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,210/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,100
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,194
−HK$2,125/mo
Today · 4.125%
HK$82,319
baseline
▲ 0.50% · 4.625%
HK$86,659
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,638/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,401 · Scale 2, in force from 26 Feb 2026)