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$39,050
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,234/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,443
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,182/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,203
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,860
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,317
−HK$1,481/mo
Today · 4.125%
HK$49,798
baseline
▲ 0.50% · 4.625%
HK$52,829
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,596/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,131
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,529
−HK$1,419/mo
Today · 4.125%
HK$54,948
baseline
▲ 0.50% · 4.625%
HK$57,844
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,896/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,670
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,370
−HK$1,728/mo
Today · 4.125%
HK$58,098
baseline
▲ 0.50% · 4.625%
HK$61,633
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,196/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,820
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,451
−HK$1,655/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,290
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,476
−HK$2,222/mo
Today · 4.125%
HK$74,698
baseline
▲ 0.50% · 4.625%
HK$79,243
+HK$4,545/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,396/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,197
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,294
−HK$2,127/mo
Today · 4.125%
HK$82,421
baseline
▲ 0.50% · 4.625%
HK$86,766
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,842/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,196 · Scale 2, in force from 26 Feb 2026)