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$39,052
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,267
−HK$1,234/mo
Today · 4.125%
HK$41,501
baseline
▲ 0.50% · 4.625%
HK$44,026
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,002/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,445
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,610
−HK$1,183/mo
Today · 4.125%
HK$45,793
baseline
▲ 0.50% · 4.625%
HK$48,206
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,586/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,863
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,320
−HK$1,481/mo
Today · 4.125%
HK$49,801
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,602/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,134
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,533
−HK$1,418/mo
Today · 4.125%
HK$54,951
baseline
▲ 0.50% · 4.625%
HK$57,848
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,902/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,673
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,728/mo
Today · 4.125%
HK$58,102
baseline
▲ 0.50% · 4.625%
HK$61,637
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,204/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,823
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,455
−HK$1,655/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$67,489
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,294
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,481
−HK$2,221/mo
Today · 4.125%
HK$74,702
baseline
▲ 0.50% · 4.625%
HK$79,248
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,404/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,202
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,299
−HK$2,128/mo
Today · 4.125%
HK$82,427
baseline
▲ 0.50% · 4.625%
HK$86,771
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,854/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,236 · Scale 2, in force from 26 Feb 2026)