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$39,069
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,284
−HK$1,234/mo
Today · 4.125%
HK$41,518
baseline
▲ 0.50% · 4.625%
HK$44,045
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,036/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,463
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,629
−HK$1,183/mo
Today · 4.125%
HK$45,812
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,624/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,882
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,341
−HK$1,481/mo
Today · 4.125%
HK$49,822
baseline
▲ 0.50% · 4.625%
HK$52,854
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,644/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,156
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,555
−HK$1,419/mo
Today · 4.125%
HK$54,974
baseline
▲ 0.50% · 4.625%
HK$57,872
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,948/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,696
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,397
−HK$1,729/mo
Today · 4.125%
HK$58,126
baseline
▲ 0.50% · 4.625%
HK$61,663
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,252/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,849
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,655/mo
Today · 4.125%
HK$64,136
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,272/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,323
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,511
−HK$2,222/mo
Today · 4.125%
HK$74,733
baseline
▲ 0.50% · 4.625%
HK$79,281
+HK$4,548/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,466/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,234
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,332
−HK$2,129/mo
Today · 4.125%
HK$82,461
baseline
▲ 0.50% · 4.625%
HK$86,807
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,922/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,503 · Scale 2, in force from 26 Feb 2026)