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$39,088
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,304
−HK$1,235/mo
Today · 4.125%
HK$41,539
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,078/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,183/mo
Today · 4.125%
HK$45,834
baseline
▲ 0.50% · 4.625%
HK$48,250
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,668/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,905
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,364
−HK$1,483/mo
Today · 4.125%
HK$49,847
baseline
▲ 0.50% · 4.625%
HK$52,880
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,694/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,182
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,581
−HK$1,420/mo
Today · 4.125%
HK$55,001
baseline
▲ 0.50% · 4.625%
HK$57,900
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,002/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,723
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,425
−HK$1,729/mo
Today · 4.125%
HK$58,154
baseline
▲ 0.50% · 4.625%
HK$61,693
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,308/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,879
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,511
−HK$1,657/mo
Today · 4.125%
HK$64,168
baseline
▲ 0.50% · 4.625%
HK$67,550
+HK$3,382/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,336/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,358
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,546
−HK$2,224/mo
Today · 4.125%
HK$74,770
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$4,550/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,540/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,272
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,372
−HK$2,129/mo
Today · 4.125%
HK$82,501
baseline
▲ 0.50% · 4.625%
HK$86,850
+HK$4,349/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,002/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,818 · Scale 2, in force from 26 Feb 2026)