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$39,072
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,287
−HK$1,235/mo
Today · 4.125%
HK$41,522
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,044/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,183/mo
Today · 4.125%
HK$45,816
baseline
▲ 0.50% · 4.625%
HK$48,231
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,632/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,887
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,345
−HK$1,482/mo
Today · 4.125%
HK$49,827
baseline
▲ 0.50% · 4.625%
HK$52,859
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,654/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,161
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,560
−HK$1,419/mo
Today · 4.125%
HK$54,979
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,958/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,701
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,402
−HK$1,729/mo
Today · 4.125%
HK$58,131
baseline
▲ 0.50% · 4.625%
HK$61,668
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,262/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,854
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,486
−HK$1,656/mo
Today · 4.125%
HK$64,142
baseline
▲ 0.50% · 4.625%
HK$67,523
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,284/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,330
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,517
−HK$2,223/mo
Today · 4.125%
HK$74,740
baseline
▲ 0.50% · 4.625%
HK$79,288
+HK$4,548/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,480/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,241
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,340
−HK$2,128/mo
Today · 4.125%
HK$82,468
baseline
▲ 0.50% · 4.625%
HK$86,815
+HK$4,347/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,936/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,562 · Scale 2, in force from 26 Feb 2026)