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$39,005
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,232/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,974
+HK$2,523/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,393
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,557
−HK$1,181/mo
Today · 4.125%
HK$45,738
baseline
▲ 0.50% · 4.625%
HK$48,148
+HK$2,410/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,476/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,806
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,262
−HK$1,480/mo
Today · 4.125%
HK$49,742
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,484/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,072
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,468
−HK$1,417/mo
Today · 4.125%
HK$54,885
baseline
▲ 0.50% · 4.625%
HK$57,778
+HK$2,893/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,770/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,608
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,306
−HK$1,726/mo
Today · 4.125%
HK$58,032
baseline
▲ 0.50% · 4.625%
HK$61,563
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,064/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,750
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,380
−HK$1,653/mo
Today · 4.125%
HK$64,033
baseline
▲ 0.50% · 4.625%
HK$67,408
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,066/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,210
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,394
−HK$2,219/mo
Today · 4.125%
HK$74,613
baseline
▲ 0.50% · 4.625%
HK$79,153
+HK$4,540/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,226/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,108
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,202
−HK$2,126/mo
Today · 4.125%
HK$82,328
baseline
▲ 0.50% · 4.625%
HK$86,667
+HK$4,339/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,656/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,465 · Scale 2, in force from 26 Feb 2026)