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$39,067
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,235/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,627
−HK$1,183/mo
Today · 4.125%
HK$45,810
baseline
▲ 0.50% · 4.625%
HK$48,225
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,620/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,881
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,339
−HK$1,481/mo
Today · 4.125%
HK$49,820
baseline
▲ 0.50% · 4.625%
HK$52,852
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,640/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,154
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,553
−HK$1,419/mo
Today · 4.125%
HK$54,972
baseline
▲ 0.50% · 4.625%
HK$57,870
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,944/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,694
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,729/mo
Today · 4.125%
HK$58,124
baseline
▲ 0.50% · 4.625%
HK$61,661
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,248/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,847
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,478
−HK$1,656/mo
Today · 4.125%
HK$64,134
baseline
▲ 0.50% · 4.625%
HK$67,515
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,268/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,321
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$2,223/mo
Today · 4.125%
HK$74,731
baseline
▲ 0.50% · 4.625%
HK$79,278
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,462/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,231
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,329
−HK$2,129/mo
Today · 4.125%
HK$82,458
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,916/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,481 · Scale 2, in force from 26 Feb 2026)