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$38,995
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,233/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,181/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,136
+HK$2,410/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,794
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,250
−HK$1,479/mo
Today · 4.125%
HK$49,729
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,458/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,058
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,454
−HK$1,417/mo
Today · 4.125%
HK$54,871
baseline
▲ 0.50% · 4.625%
HK$57,763
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,742/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,593
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,291
−HK$1,726/mo
Today · 4.125%
HK$58,017
baseline
▲ 0.50% · 4.625%
HK$61,547
+HK$3,530/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,034/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,734
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,363
−HK$1,653/mo
Today · 4.125%
HK$64,016
baseline
▲ 0.50% · 4.625%
HK$67,390
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,032/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,191
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,375
−HK$2,218/mo
Today · 4.125%
HK$74,593
baseline
▲ 0.50% · 4.625%
HK$79,132
+HK$4,539/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,186/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,087
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,181
−HK$2,125/mo
Today · 4.125%
HK$82,306
baseline
▲ 0.50% · 4.625%
HK$86,644
+HK$4,338/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,612/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,297 · Scale 2, in force from 26 Feb 2026)