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$39,005
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,233/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,393
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,181/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,148
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,479/mo
Today · 4.125%
HK$49,741
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,482/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,071
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,468
−HK$1,416/mo
Today · 4.125%
HK$54,884
baseline
▲ 0.50% · 4.625%
HK$57,777
+HK$2,893/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,768/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,607
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,305
−HK$1,726/mo
Today · 4.125%
HK$58,031
baseline
▲ 0.50% · 4.625%
HK$61,562
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,062/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,750
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,379
−HK$1,653/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,407
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,209
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,393
−HK$2,218/mo
Today · 4.125%
HK$74,611
baseline
▲ 0.50% · 4.625%
HK$79,151
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,222/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,107
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,125/mo
Today · 4.125%
HK$82,326
baseline
▲ 0.50% · 4.625%
HK$86,666
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,652/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,456 · Scale 2, in force from 26 Feb 2026)