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$38,983
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,195
−HK$1,232/mo
Today · 4.125%
HK$41,427
baseline
▲ 0.50% · 4.625%
HK$43,948
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,854/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,368
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,531
−HK$1,180/mo
Today · 4.125%
HK$45,711
baseline
▲ 0.50% · 4.625%
HK$48,121
+HK$2,410/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,422/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,779
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,235
−HK$1,478/mo
Today · 4.125%
HK$49,713
baseline
▲ 0.50% · 4.625%
HK$52,738
+HK$3,025/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,426/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,042
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,437
−HK$1,416/mo
Today · 4.125%
HK$54,853
baseline
▲ 0.50% · 4.625%
HK$57,745
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,706/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,576
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$56,274
−HK$1,724/mo
Today · 4.125%
HK$57,998
baseline
▲ 0.50% · 4.625%
HK$61,527
+HK$3,529/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$115,996/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,715
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,344
−HK$1,651/mo
Today · 4.125%
HK$63,995
baseline
▲ 0.50% · 4.625%
HK$67,369
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$127,990/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,169
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,352
−HK$2,217/mo
Today · 4.125%
HK$74,569
baseline
▲ 0.50% · 4.625%
HK$79,107
+HK$4,538/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,138/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,062
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,156
−HK$2,124/mo
Today · 4.125%
HK$82,280
baseline
▲ 0.50% · 4.625%
HK$86,617
+HK$4,337/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,560/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,094 · Scale 2, in force from 26 Feb 2026)