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$39,037
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,234/mo
Today · 4.125%
HK$41,485
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,970/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,593
−HK$1,181/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,844
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,301
−HK$1,480/mo
Today · 4.125%
HK$49,781
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,562/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,113
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,511
−HK$1,418/mo
Today · 4.125%
HK$54,929
baseline
▲ 0.50% · 4.625%
HK$57,824
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,858/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,651
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,351
−HK$1,727/mo
Today · 4.125%
HK$58,078
baseline
▲ 0.50% · 4.625%
HK$61,612
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,156/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,799
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,430
−HK$1,654/mo
Today · 4.125%
HK$64,084
baseline
▲ 0.50% · 4.625%
HK$67,462
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,168/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,266
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,452
−HK$2,220/mo
Today · 4.125%
HK$74,672
baseline
▲ 0.50% · 4.625%
HK$79,216
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,344/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,170
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,267
−HK$2,126/mo
Today · 4.125%
HK$82,393
baseline
▲ 0.50% · 4.625%
HK$86,736
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,786/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,978 · Scale 2, in force from 26 Feb 2026)