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$39,039
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,254
−HK$1,233/mo
Today · 4.125%
HK$41,487
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,974/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,181/mo
Today · 4.125%
HK$45,777
baseline
▲ 0.50% · 4.625%
HK$48,190
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,554/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,847
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,304
−HK$1,481/mo
Today · 4.125%
HK$49,785
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,570/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,117
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,515
−HK$1,418/mo
Today · 4.125%
HK$54,933
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,866/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,655
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,355
−HK$1,727/mo
Today · 4.125%
HK$58,082
baseline
▲ 0.50% · 4.625%
HK$61,617
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,164/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,803
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,434
−HK$1,654/mo
Today · 4.125%
HK$64,088
baseline
▲ 0.50% · 4.625%
HK$67,466
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,176/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,271
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,457
−HK$2,220/mo
Today · 4.125%
HK$74,677
baseline
▲ 0.50% · 4.625%
HK$79,221
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,354/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,176
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,272
−HK$2,127/mo
Today · 4.125%
HK$82,399
baseline
▲ 0.50% · 4.625%
HK$86,743
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,798/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,023 · Scale 2, in force from 26 Feb 2026)