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$39,094
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,310
−HK$1,236/mo
Today · 4.125%
HK$41,546
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,092/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,492
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,183/mo
Today · 4.125%
HK$45,842
baseline
▲ 0.50% · 4.625%
HK$48,258
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,684/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,913
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,373
−HK$1,482/mo
Today · 4.125%
HK$49,855
baseline
▲ 0.50% · 4.625%
HK$52,889
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,710/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,191
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,590
−HK$1,420/mo
Today · 4.125%
HK$55,010
baseline
▲ 0.50% · 4.625%
HK$57,910
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,020/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,732
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,435
−HK$1,729/mo
Today · 4.125%
HK$58,164
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,328/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,889
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,522
−HK$1,657/mo
Today · 4.125%
HK$64,179
baseline
▲ 0.50% · 4.625%
HK$67,562
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,358/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,370
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,559
−HK$2,224/mo
Today · 4.125%
HK$74,783
baseline
▲ 0.50% · 4.625%
HK$79,333
+HK$4,550/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,566/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,286
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,385
−HK$2,130/mo
Today · 4.125%
HK$82,515
baseline
▲ 0.50% · 4.625%
HK$86,865
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,030/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,928 · Scale 2, in force from 26 Feb 2026)