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$39,020
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,233
−HK$1,233/mo
Today · 4.125%
HK$41,466
baseline
▲ 0.50% · 4.625%
HK$43,990
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,932/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,409
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,573
−HK$1,181/mo
Today · 4.125%
HK$45,754
baseline
▲ 0.50% · 4.625%
HK$48,166
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,508/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,823
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,280
−HK$1,480/mo
Today · 4.125%
HK$49,760
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,520/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,091
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,488
−HK$1,417/mo
Today · 4.125%
HK$54,905
baseline
▲ 0.50% · 4.625%
HK$57,799
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,810/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,627
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,327
−HK$1,726/mo
Today · 4.125%
HK$58,053
baseline
▲ 0.50% · 4.625%
HK$61,585
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,106/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,772
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,402
−HK$1,654/mo
Today · 4.125%
HK$64,056
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,112/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,235
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,420
−HK$2,220/mo
Today · 4.125%
HK$74,640
baseline
▲ 0.50% · 4.625%
HK$79,181
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,280/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,136
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,231
−HK$2,126/mo
Today · 4.125%
HK$82,357
baseline
▲ 0.50% · 4.625%
HK$86,699
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,714/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,697 · Scale 2, in force from 26 Feb 2026)