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$39,008
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,233/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,977
+HK$2,523/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,396
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,181/mo
Today · 4.125%
HK$45,741
baseline
▲ 0.50% · 4.625%
HK$48,152
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,482/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,810
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,266
−HK$1,479/mo
Today · 4.125%
HK$49,745
baseline
▲ 0.50% · 4.625%
HK$52,772
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,490/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,075
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,472
−HK$1,417/mo
Today · 4.125%
HK$54,889
baseline
▲ 0.50% · 4.625%
HK$57,782
+HK$2,893/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,778/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,611
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,310
−HK$1,726/mo
Today · 4.125%
HK$58,036
baseline
▲ 0.50% · 4.625%
HK$61,567
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,072/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,755
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,384
−HK$1,653/mo
Today · 4.125%
HK$64,037
baseline
▲ 0.50% · 4.625%
HK$67,412
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,074/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,215
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,399
−HK$2,219/mo
Today · 4.125%
HK$74,618
baseline
▲ 0.50% · 4.625%
HK$79,158
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,236/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,113
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,208
−HK$2,125/mo
Today · 4.125%
HK$82,333
baseline
▲ 0.50% · 4.625%
HK$86,673
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,666/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,509 · Scale 2, in force from 26 Feb 2026)