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$39,057
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,272
−HK$1,235/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$44,032
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,451
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,616
−HK$1,183/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,869
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,327
−HK$1,481/mo
Today · 4.125%
HK$49,808
baseline
▲ 0.50% · 4.625%
HK$52,839
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,616/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,141
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,540
−HK$1,418/mo
Today · 4.125%
HK$54,958
baseline
▲ 0.50% · 4.625%
HK$57,855
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,916/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,680
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,381
−HK$1,728/mo
Today · 4.125%
HK$58,109
baseline
▲ 0.50% · 4.625%
HK$61,645
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,218/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,831
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,463
−HK$1,655/mo
Today · 4.125%
HK$64,118
baseline
▲ 0.50% · 4.625%
HK$67,498
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,236/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,303
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,490
−HK$2,222/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$79,258
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,212
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,309
−HK$2,128/mo
Today · 4.125%
HK$82,437
baseline
▲ 0.50% · 4.625%
HK$86,783
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,874/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,321 · Scale 2, in force from 26 Feb 2026)