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$39,081
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,235/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$44,059
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,477
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,643
−HK$1,183/mo
Today · 4.125%
HK$45,826
baseline
▲ 0.50% · 4.625%
HK$48,242
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,652/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,897
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,356
−HK$1,482/mo
Today · 4.125%
HK$49,838
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$99,676/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,173
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,572
−HK$1,419/mo
Today · 4.125%
HK$54,991
baseline
▲ 0.50% · 4.625%
HK$57,890
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$109,982/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,713
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,729/mo
Today · 4.125%
HK$58,144
baseline
▲ 0.50% · 4.625%
HK$61,682
+HK$3,538/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,288/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,868
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,501
−HK$1,656/mo
Today · 4.125%
HK$64,157
baseline
▲ 0.50% · 4.625%
HK$67,538
+HK$3,381/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,314/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,346
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$2,223/mo
Today · 4.125%
HK$74,757
baseline
▲ 0.50% · 4.625%
HK$79,306
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,514/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,259
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,358
−HK$2,129/mo
Today · 4.125%
HK$82,487
baseline
▲ 0.50% · 4.625%
HK$86,835
+HK$4,348/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,974/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,708 · Scale 2, in force from 26 Feb 2026)