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$38,980
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,192
−HK$1,232/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,528
−HK$1,180/mo
Today · 4.125%
HK$45,708
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,416/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,776
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,231
−HK$1,478/mo
Today · 4.125%
HK$49,709
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$3,025/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,418/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,038
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,433
−HK$1,416/mo
Today · 4.125%
HK$54,849
baseline
▲ 0.50% · 4.625%
HK$57,740
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,698/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,572
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,269
−HK$1,725/mo
Today · 4.125%
HK$57,994
baseline
▲ 0.50% · 4.625%
HK$61,523
+HK$3,529/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$115,988/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,711
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,339
−HK$1,652/mo
Today · 4.125%
HK$63,991
baseline
▲ 0.50% · 4.625%
HK$67,364
+HK$3,373/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$127,982/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,164
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,346
−HK$2,218/mo
Today · 4.125%
HK$74,564
baseline
▲ 0.50% · 4.625%
HK$79,101
+HK$4,537/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,128/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,056
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,150
−HK$2,124/mo
Today · 4.125%
HK$82,274
baseline
▲ 0.50% · 4.625%
HK$86,610
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,548/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,044 · Scale 2, in force from 26 Feb 2026)