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$39,038
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,252
−HK$1,234/mo
Today · 4.125%
HK$41,486
baseline
▲ 0.50% · 4.625%
HK$44,010
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,972/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,429
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,594
−HK$1,181/mo
Today · 4.125%
HK$45,775
baseline
▲ 0.50% · 4.625%
HK$48,188
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,550/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,845
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,302
−HK$1,481/mo
Today · 4.125%
HK$49,783
baseline
▲ 0.50% · 4.625%
HK$52,812
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,566/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,115
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,512
−HK$1,418/mo
Today · 4.125%
HK$54,930
baseline
▲ 0.50% · 4.625%
HK$57,826
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,860/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,653
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,353
−HK$1,727/mo
Today · 4.125%
HK$58,080
baseline
▲ 0.50% · 4.625%
HK$61,614
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,160/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,800
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,431
−HK$1,654/mo
Today · 4.125%
HK$64,085
baseline
▲ 0.50% · 4.625%
HK$67,463
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,170/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,268
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,453
−HK$2,221/mo
Today · 4.125%
HK$74,674
baseline
▲ 0.50% · 4.625%
HK$79,218
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,348/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,172
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,269
−HK$2,126/mo
Today · 4.125%
HK$82,395
baseline
▲ 0.50% · 4.625%
HK$86,739
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,790/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,993 · Scale 2, in force from 26 Feb 2026)