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$38,997
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,232/mo
Today · 4.125%
HK$41,442
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,884/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,383
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,547
−HK$1,180/mo
Today · 4.125%
HK$45,727
baseline
▲ 0.50% · 4.625%
HK$48,138
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,454/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,796
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,252
−HK$1,479/mo
Today · 4.125%
HK$49,731
baseline
▲ 0.50% · 4.625%
HK$52,757
+HK$3,026/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,462/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,060
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,456
−HK$1,417/mo
Today · 4.125%
HK$54,873
baseline
▲ 0.50% · 4.625%
HK$57,765
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,746/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,595
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$56,294
−HK$1,725/mo
Today · 4.125%
HK$58,019
baseline
▲ 0.50% · 4.625%
HK$61,549
+HK$3,530/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,038/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,737
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$62,366
−HK$1,652/mo
Today · 4.125%
HK$64,018
baseline
▲ 0.50% · 4.625%
HK$67,393
+HK$3,375/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$128,036/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,194
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$72,377
−HK$2,219/mo
Today · 4.125%
HK$74,596
baseline
▲ 0.50% · 4.625%
HK$79,135
+HK$4,539/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,192/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,090
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,184
−HK$2,125/mo
Today · 4.125%
HK$82,309
baseline
▲ 0.50% · 4.625%
HK$86,648
+HK$4,339/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,618/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,321 · Scale 2, in force from 26 Feb 2026)