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$39,089
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,305
−HK$1,235/mo
Today · 4.125%
HK$41,540
baseline
▲ 0.50% · 4.625%
HK$44,068
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,080/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,486
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,652
−HK$1,184/mo
Today · 4.125%
HK$45,836
baseline
▲ 0.50% · 4.625%
HK$48,252
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,672/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,907
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,366
−HK$1,482/mo
Today · 4.125%
HK$49,848
baseline
▲ 0.50% · 4.625%
HK$52,881
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,696/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,183
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,583
−HK$1,420/mo
Today · 4.125%
HK$55,003
baseline
▲ 0.50% · 4.625%
HK$57,902
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,006/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,725
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,427
−HK$1,729/mo
Today · 4.125%
HK$58,156
baseline
▲ 0.50% · 4.625%
HK$61,695
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,312/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,881
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,513
−HK$1,657/mo
Today · 4.125%
HK$64,170
baseline
▲ 0.50% · 4.625%
HK$67,552
+HK$3,382/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,340/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,549
−HK$2,223/mo
Today · 4.125%
HK$74,772
baseline
▲ 0.50% · 4.625%
HK$79,322
+HK$4,550/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,544/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,275
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,374
−HK$2,130/mo
Today · 4.125%
HK$82,504
baseline
▲ 0.50% · 4.625%
HK$86,853
+HK$4,349/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,008/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,840 · Scale 2, in force from 26 Feb 2026)