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$39,101
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,318
−HK$1,235/mo
Today · 4.125%
HK$41,553
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,529/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,106/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,184/mo
Today · 4.125%
HK$45,850
baseline
▲ 0.50% · 4.625%
HK$48,267
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,700/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,922
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,381
−HK$1,483/mo
Today · 4.125%
HK$49,864
baseline
▲ 0.50% · 4.625%
HK$52,898
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,728/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,200
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,600
−HK$1,420/mo
Today · 4.125%
HK$55,020
baseline
▲ 0.50% · 4.625%
HK$57,920
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,040/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,742
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,445
−HK$1,730/mo
Today · 4.125%
HK$58,175
baseline
▲ 0.50% · 4.625%
HK$61,714
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,350/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,900
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,533
−HK$1,657/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$67,573
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,382
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,572
−HK$2,224/mo
Today · 4.125%
HK$74,796
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$4,551/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,592/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,300
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,400
−HK$2,130/mo
Today · 4.125%
HK$82,530
baseline
▲ 0.50% · 4.625%
HK$86,880
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,060/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,041 · Scale 2, in force from 26 Feb 2026)