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$39,021
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,233/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,991
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,181/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,825
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,281
−HK$1,480/mo
Today · 4.125%
HK$49,761
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$3,028/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,522/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,092
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,489
−HK$1,417/mo
Today · 4.125%
HK$54,906
baseline
▲ 0.50% · 4.625%
HK$57,800
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,812/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,629
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,328
−HK$1,726/mo
Today · 4.125%
HK$58,054
baseline
▲ 0.50% · 4.625%
HK$61,587
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,108/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,774
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,404
−HK$1,653/mo
Today · 4.125%
HK$64,057
baseline
▲ 0.50% · 4.625%
HK$67,434
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,114/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,237
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,422
−HK$2,219/mo
Today · 4.125%
HK$74,641
baseline
▲ 0.50% · 4.625%
HK$79,183
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,282/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,138
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,233
−HK$2,126/mo
Today · 4.125%
HK$82,359
baseline
▲ 0.50% · 4.625%
HK$86,701
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,718/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,713 · Scale 2, in force from 26 Feb 2026)