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$39,035
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,249
−HK$1,234/mo
Today · 4.125%
HK$41,483
baseline
▲ 0.50% · 4.625%
HK$44,007
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,966/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,426
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,591
−HK$1,181/mo
Today · 4.125%
HK$45,772
baseline
▲ 0.50% · 4.625%
HK$48,185
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,544/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,842
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,299
−HK$1,480/mo
Today · 4.125%
HK$49,779
baseline
▲ 0.50% · 4.625%
HK$52,808
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,558/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,111
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,509
−HK$1,417/mo
Today · 4.125%
HK$54,926
baseline
▲ 0.50% · 4.625%
HK$57,822
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,852/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,649
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,349
−HK$1,727/mo
Today · 4.125%
HK$58,076
baseline
▲ 0.50% · 4.625%
HK$61,610
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,152/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,796
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,427
−HK$1,654/mo
Today · 4.125%
HK$64,081
baseline
▲ 0.50% · 4.625%
HK$67,459
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,162/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,263
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,448
−HK$2,221/mo
Today · 4.125%
HK$74,669
baseline
▲ 0.50% · 4.625%
HK$79,212
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,338/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,127/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,949 · Scale 2, in force from 26 Feb 2026)