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$39,060
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,275
−HK$1,235/mo
Today · 4.125%
HK$41,510
baseline
▲ 0.50% · 4.625%
HK$44,036
+HK$2,526/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,020/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,454
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,182/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,216
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,604/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,872
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,330
−HK$1,482/mo
Today · 4.125%
HK$49,812
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,624/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,145
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,418/mo
Today · 4.125%
HK$54,962
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,924/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,684
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,385
−HK$1,729/mo
Today · 4.125%
HK$58,114
baseline
▲ 0.50% · 4.625%
HK$61,650
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,228/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,836
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,467
−HK$1,656/mo
Today · 4.125%
HK$64,123
baseline
▲ 0.50% · 4.625%
HK$67,503
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,246/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,309
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,496
−HK$2,222/mo
Today · 4.125%
HK$74,718
baseline
▲ 0.50% · 4.625%
HK$79,264
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,436/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,218
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,315
−HK$2,128/mo
Today · 4.125%
HK$82,443
baseline
▲ 0.50% · 4.625%
HK$86,789
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,886/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,368 · Scale 2, in force from 26 Feb 2026)