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$39,033
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,234/mo
Today · 4.125%
HK$41,481
baseline
▲ 0.50% · 4.625%
HK$44,005
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,962/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,424
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,182/mo
Today · 4.125%
HK$45,770
baseline
▲ 0.50% · 4.625%
HK$48,183
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,540/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,840
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,297
−HK$1,480/mo
Today · 4.125%
HK$49,777
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,554/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,109
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,506
−HK$1,418/mo
Today · 4.125%
HK$54,924
baseline
▲ 0.50% · 4.625%
HK$57,819
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,848/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,646
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,346
−HK$1,727/mo
Today · 4.125%
HK$58,073
baseline
▲ 0.50% · 4.625%
HK$61,607
+HK$3,534/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$116,146/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,793
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,424
−HK$1,654/mo
Today · 4.125%
HK$64,078
baseline
▲ 0.50% · 4.625%
HK$67,456
+HK$3,378/mo
Deposit HK$5.14M · loan HK$11.98M · min. income ≈ HK$128,156/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,259
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,445
−HK$2,220/mo
Today · 4.125%
HK$74,665
baseline
▲ 0.50% · 4.625%
HK$79,209
+HK$4,544/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,330/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,163
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,259
−HK$2,127/mo
Today · 4.125%
HK$82,386
baseline
▲ 0.50% · 4.625%
HK$86,729
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,772/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,919 · Scale 2, in force from 26 Feb 2026)