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$39,058
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,273
−HK$1,234/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$44,033
+HK$2,526/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,617
−HK$1,182/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,870
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,328
−HK$1,481/mo
Today · 4.125%
HK$49,809
baseline
▲ 0.50% · 4.625%
HK$52,840
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,618/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,142
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,541
−HK$1,418/mo
Today · 4.125%
HK$54,959
baseline
▲ 0.50% · 4.625%
HK$57,856
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,918/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,681
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,382
−HK$1,728/mo
Today · 4.125%
HK$58,110
baseline
▲ 0.50% · 4.625%
HK$61,646
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,220/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,832
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,464
−HK$1,655/mo
Today · 4.125%
HK$64,119
baseline
▲ 0.50% · 4.625%
HK$67,499
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,238/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,305
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,491
−HK$2,222/mo
Today · 4.125%
HK$74,713
baseline
▲ 0.50% · 4.625%
HK$79,259
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,426/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,213
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,311
−HK$2,128/mo
Today · 4.125%
HK$82,439
baseline
▲ 0.50% · 4.625%
HK$86,784
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,878/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,331 · Scale 2, in force from 26 Feb 2026)