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$39,082
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,297
−HK$1,235/mo
Today · 4.125%
HK$41,532
baseline
▲ 0.50% · 4.625%
HK$44,060
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,064/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,478
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,644
−HK$1,183/mo
Today · 4.125%
HK$45,827
baseline
▲ 0.50% · 4.625%
HK$48,243
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,654/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,898
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,357
−HK$1,482/mo
Today · 4.125%
HK$49,839
baseline
▲ 0.50% · 4.625%
HK$52,871
+HK$3,032/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$99,678/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,174
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,573
−HK$1,419/mo
Today · 4.125%
HK$54,992
baseline
▲ 0.50% · 4.625%
HK$57,891
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$109,984/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,714
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,416
−HK$1,729/mo
Today · 4.125%
HK$58,145
baseline
▲ 0.50% · 4.625%
HK$61,683
+HK$3,538/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,290/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,869
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,502
−HK$1,656/mo
Today · 4.125%
HK$64,158
baseline
▲ 0.50% · 4.625%
HK$67,540
+HK$3,382/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,316/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,347
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$2,223/mo
Today · 4.125%
HK$74,758
baseline
▲ 0.50% · 4.625%
HK$79,307
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,516/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,260
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,359
−HK$2,129/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$86,837
+HK$4,349/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,718 · Scale 2, in force from 26 Feb 2026)