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$39,044
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,259
−HK$1,234/mo
Today · 4.125%
HK$41,493
baseline
▲ 0.50% · 4.625%
HK$44,017
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,986/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,436
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,601
−HK$1,182/mo
Today · 4.125%
HK$45,783
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,566/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,853
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$48,311
−HK$1,480/mo
Today · 4.125%
HK$49,791
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,582/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,124
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,522
−HK$1,418/mo
Today · 4.125%
HK$54,940
baseline
▲ 0.50% · 4.625%
HK$57,836
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,880/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,662
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,362
−HK$1,728/mo
Today · 4.125%
HK$58,090
baseline
▲ 0.50% · 4.625%
HK$61,624
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,180/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,811
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,442
−HK$1,654/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,475
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,280
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,466
−HK$2,221/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$79,231
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,185
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,282
−HK$2,128/mo
Today · 4.125%
HK$82,410
baseline
▲ 0.50% · 4.625%
HK$86,753
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,820/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,104 · Scale 2, in force from 26 Feb 2026)