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$39,042
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,257
−HK$1,233/mo
Today · 4.125%
HK$41,490
baseline
▲ 0.50% · 4.625%
HK$44,015
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,980/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,434
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,599
−HK$1,182/mo
Today · 4.125%
HK$45,781
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,562/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,850
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,308
−HK$1,480/mo
Today · 4.125%
HK$49,788
baseline
▲ 0.50% · 4.625%
HK$52,818
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,576/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,121
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,519
−HK$1,418/mo
Today · 4.125%
HK$54,937
baseline
▲ 0.50% · 4.625%
HK$57,832
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,874/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,659
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,359
−HK$1,728/mo
Today · 4.125%
HK$58,087
baseline
▲ 0.50% · 4.625%
HK$61,621
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,174/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,807
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,438
−HK$1,655/mo
Today · 4.125%
HK$64,093
baseline
▲ 0.50% · 4.625%
HK$67,471
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,186/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,276
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,462
−HK$2,221/mo
Today · 4.125%
HK$74,683
baseline
▲ 0.50% · 4.625%
HK$79,227
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,366/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,181
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,278
−HK$2,127/mo
Today · 4.125%
HK$82,405
baseline
▲ 0.50% · 4.625%
HK$86,749
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,810/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,068 · Scale 2, in force from 26 Feb 2026)