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$38,974
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,187
−HK$1,231/mo
Today · 4.125%
HK$41,418
baseline
▲ 0.50% · 4.625%
HK$43,939
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,836/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,359
−HK$2,342/mo
▼ 0.25% · 3.875%
HK$44,521
−HK$1,180/mo
Today · 4.125%
HK$45,701
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,402/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,769
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$48,224
−HK$1,478/mo
Today · 4.125%
HK$49,702
baseline
▲ 0.50% · 4.625%
HK$52,726
+HK$3,024/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,404/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,030
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,426
−HK$1,415/mo
Today · 4.125%
HK$54,841
baseline
▲ 0.50% · 4.625%
HK$57,732
+HK$2,891/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,682/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,564
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,261
−HK$1,725/mo
Today · 4.125%
HK$57,986
baseline
▲ 0.50% · 4.625%
HK$61,514
+HK$3,528/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$115,972/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,702
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,330
−HK$1,652/mo
Today · 4.125%
HK$63,982
baseline
▲ 0.50% · 4.625%
HK$67,354
+HK$3,372/mo
Deposit HK$5.13M · loan HK$11.96M · min. income ≈ HK$127,964/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,154
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,336
−HK$2,217/mo
Today · 4.125%
HK$74,553
baseline
▲ 0.50% · 4.625%
HK$79,089
+HK$4,536/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$149,106/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,045
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,139
−HK$2,123/mo
Today · 4.125%
HK$82,262
baseline
▲ 0.50% · 4.625%
HK$86,598
+HK$4,336/mo
Deposit HK$1.71M · loan HK$15.38M · min. income ≈ HK$164,524/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$640,954 · Scale 2, in force from 26 Feb 2026)