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$39,025
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,233/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,996
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,415
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,580
−HK$1,181/mo
Today · 4.125%
HK$45,761
baseline
▲ 0.50% · 4.625%
HK$48,173
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,522/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,830
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,287
−HK$1,480/mo
Today · 4.125%
HK$49,767
baseline
▲ 0.50% · 4.625%
HK$52,795
+HK$3,028/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,534/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,098
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,495
−HK$1,418/mo
Today · 4.125%
HK$54,913
baseline
▲ 0.50% · 4.625%
HK$57,807
+HK$2,894/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,826/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,635
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,335
−HK$1,726/mo
Today · 4.125%
HK$58,061
baseline
▲ 0.50% · 4.625%
HK$61,594
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,122/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,781
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,411
−HK$1,654/mo
Today · 4.125%
HK$64,065
baseline
▲ 0.50% · 4.625%
HK$67,442
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,130/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,245
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,430
−HK$2,220/mo
Today · 4.125%
HK$74,650
baseline
▲ 0.50% · 4.625%
HK$79,193
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,300/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,147
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,243
−HK$2,126/mo
Today · 4.125%
HK$82,369
baseline
▲ 0.50% · 4.625%
HK$86,711
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,738/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,791 · Scale 2, in force from 26 Feb 2026)