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$39,012
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,233/mo
Today · 4.125%
HK$41,458
baseline
▲ 0.50% · 4.625%
HK$43,981
+HK$2,523/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,916/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,181/mo
Today · 4.125%
HK$45,745
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,490/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,814
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,270
−HK$1,480/mo
Today · 4.125%
HK$49,750
baseline
▲ 0.50% · 4.625%
HK$52,777
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,500/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,080
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,477
−HK$1,417/mo
Today · 4.125%
HK$54,894
baseline
▲ 0.50% · 4.625%
HK$57,787
+HK$2,893/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,788/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,616
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,315
−HK$1,726/mo
Today · 4.125%
HK$58,041
baseline
▲ 0.50% · 4.625%
HK$61,573
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,082/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,760
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,653/mo
Today · 4.125%
HK$64,043
baseline
▲ 0.50% · 4.625%
HK$67,419
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,086/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,221
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,405
−HK$2,220/mo
Today · 4.125%
HK$74,625
baseline
▲ 0.50% · 4.625%
HK$79,165
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,250/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,120
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,215
−HK$2,126/mo
Today · 4.125%
HK$82,341
baseline
▲ 0.50% · 4.625%
HK$86,681
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,682/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,568 · Scale 2, in force from 26 Feb 2026)