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$39,061
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,276
−HK$1,234/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$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,455
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,182/mo
Today · 4.125%
HK$45,802
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,415/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$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,873
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,331
−HK$1,481/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$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,146
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,544
−HK$1,419/mo
Today · 4.125%
HK$54,963
baseline
▲ 0.50% · 4.625%
HK$57,860
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,926/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,685
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,386
−HK$1,728/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$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,837
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,468
−HK$1,655/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$642,376 · 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$79,265
+HK$4,547/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$642,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,219
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,316
−HK$2,128/mo
Today · 4.125%
HK$82,444
baseline
▲ 0.50% · 4.625%
HK$86,790
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,888/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,376 · Scale 2, in force from 26 Feb 2026)