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$39,034
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,248
−HK$1,233/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$44,005
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,425
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,182/mo
Today · 4.125%
HK$45,771
baseline
▲ 0.50% · 4.625%
HK$48,183
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,542/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,840
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,481/mo
Today · 4.125%
HK$49,778
baseline
▲ 0.50% · 4.625%
HK$52,807
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,556/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,507
−HK$1,418/mo
Today · 4.125%
HK$54,925
baseline
▲ 0.50% · 4.625%
HK$57,820
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,850/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,647
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,727/mo
Today · 4.125%
HK$58,074
baseline
▲ 0.50% · 4.625%
HK$61,608
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,148/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,794
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,425
−HK$1,654/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,457
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,261
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,446
−HK$2,221/mo
Today · 4.125%
HK$74,667
baseline
▲ 0.50% · 4.625%
HK$79,210
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,334/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,164
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,261
−HK$2,126/mo
Today · 4.125%
HK$82,387
baseline
▲ 0.50% · 4.625%
HK$86,730
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,774/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,929 · Scale 2, in force from 26 Feb 2026)