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$39,056
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,271
−HK$1,234/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$44,031
+HK$2,526/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,182/mo
Today · 4.125%
HK$45,797
baseline
▲ 0.50% · 4.625%
HK$48,211
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,594/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,867
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,325
−HK$1,481/mo
Today · 4.125%
HK$49,806
baseline
▲ 0.50% · 4.625%
HK$52,837
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,612/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,139
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,538
−HK$1,418/mo
Today · 4.125%
HK$54,956
baseline
▲ 0.50% · 4.625%
HK$57,853
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,912/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,678
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,379
−HK$1,728/mo
Today · 4.125%
HK$58,107
baseline
▲ 0.50% · 4.625%
HK$61,643
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,214/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,829
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,460
−HK$1,655/mo
Today · 4.125%
HK$64,115
baseline
▲ 0.50% · 4.625%
HK$67,495
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,230/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,301
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,487
−HK$2,222/mo
Today · 4.125%
HK$74,709
baseline
▲ 0.50% · 4.625%
HK$79,255
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,209
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,306
−HK$2,128/mo
Today · 4.125%
HK$82,434
baseline
▲ 0.50% · 4.625%
HK$86,779
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,868/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,296 · Scale 2, in force from 26 Feb 2026)