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$39,096
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,312
−HK$1,236/mo
Today · 4.125%
HK$41,548
baseline
▲ 0.50% · 4.625%
HK$44,076
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,096/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,494
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,661
−HK$1,183/mo
Today · 4.125%
HK$45,844
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,688/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,916
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,375
−HK$1,483/mo
Today · 4.125%
HK$49,858
baseline
▲ 0.50% · 4.625%
HK$52,891
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,716/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,193
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,593
−HK$1,420/mo
Today · 4.125%
HK$55,013
baseline
▲ 0.50% · 4.625%
HK$57,913
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,026/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,735
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,437
−HK$1,730/mo
Today · 4.125%
HK$58,167
baseline
▲ 0.50% · 4.625%
HK$61,707
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,334/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,892
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,525
−HK$1,657/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$67,565
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,373
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,562
−HK$2,224/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$79,337
+HK$4,551/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,290
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,389
−HK$2,130/mo
Today · 4.125%
HK$82,519
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,038/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,959 · Scale 2, in force from 26 Feb 2026)