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$39,062
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,277
−HK$1,235/mo
Today · 4.125%
HK$41,512
baseline
▲ 0.50% · 4.625%
HK$44,038
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,024/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,456
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,622
−HK$1,182/mo
Today · 4.125%
HK$45,804
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,608/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,875
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,333
−HK$1,481/mo
Today · 4.125%
HK$49,814
baseline
▲ 0.50% · 4.625%
HK$52,845
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,628/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,148
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,546
−HK$1,419/mo
Today · 4.125%
HK$54,965
baseline
▲ 0.50% · 4.625%
HK$57,862
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,930/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,687
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,388
−HK$1,729/mo
Today · 4.125%
HK$58,117
baseline
▲ 0.50% · 4.625%
HK$61,653
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,234/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,839
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,471
−HK$1,655/mo
Today · 4.125%
HK$64,126
baseline
▲ 0.50% · 4.625%
HK$67,506
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,252/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,312
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,499
−HK$2,222/mo
Today · 4.125%
HK$74,721
baseline
▲ 0.50% · 4.625%
HK$79,268
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,442/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,222
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,319
−HK$2,129/mo
Today · 4.125%
HK$82,448
baseline
▲ 0.50% · 4.625%
HK$86,794
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,896/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,401 · Scale 2, in force from 26 Feb 2026)