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$39,025
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,239
−HK$1,233/mo
Today · 4.125%
HK$41,472
baseline
▲ 0.50% · 4.625%
HK$43,995
+HK$2,523/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,944/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,415
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,579
−HK$1,181/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,830
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,286
−HK$1,480/mo
Today · 4.125%
HK$49,766
baseline
▲ 0.50% · 4.625%
HK$52,794
+HK$3,028/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,532/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,097
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,495
−HK$1,417/mo
Today · 4.125%
HK$54,912
baseline
▲ 0.50% · 4.625%
HK$57,807
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,824/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,634
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,334
−HK$1,727/mo
Today · 4.125%
HK$58,061
baseline
▲ 0.50% · 4.625%
HK$61,593
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,122/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,780
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,410
−HK$1,654/mo
Today · 4.125%
HK$64,064
baseline
▲ 0.50% · 4.625%
HK$67,441
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,128/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,244
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,429
−HK$2,220/mo
Today · 4.125%
HK$74,649
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,298/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,146
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,242
−HK$2,126/mo
Today · 4.125%
HK$82,368
baseline
▲ 0.50% · 4.625%
HK$86,710
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,736/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,781 · Scale 2, in force from 26 Feb 2026)