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$38,978
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,191
−HK$1,232/mo
Today · 4.125%
HK$41,423
baseline
▲ 0.50% · 4.625%
HK$43,943
+HK$2,520/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,846/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,526
−HK$1,180/mo
Today · 4.125%
HK$45,706
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,412/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,774
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,229
−HK$1,478/mo
Today · 4.125%
HK$49,707
baseline
▲ 0.50% · 4.625%
HK$52,732
+HK$3,025/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,414/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,036
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,431
−HK$1,416/mo
Today · 4.125%
HK$54,847
baseline
▲ 0.50% · 4.625%
HK$57,738
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,694/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,570
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,267
−HK$1,725/mo
Today · 4.125%
HK$57,992
baseline
▲ 0.50% · 4.625%
HK$61,520
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$115,984/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,708
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,336
−HK$1,652/mo
Today · 4.125%
HK$63,988
baseline
▲ 0.50% · 4.625%
HK$67,361
+HK$3,373/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$127,976/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,161
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,343
−HK$2,218/mo
Today · 4.125%
HK$74,561
baseline
▲ 0.50% · 4.625%
HK$79,098
+HK$4,537/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,122/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,053
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,147
−HK$2,123/mo
Today · 4.125%
HK$82,270
baseline
▲ 0.50% · 4.625%
HK$86,607
+HK$4,337/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,540/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,019 · Scale 2, in force from 26 Feb 2026)