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$39,045
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,260
−HK$1,234/mo
Today · 4.125%
HK$41,494
baseline
▲ 0.50% · 4.625%
HK$44,019
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,988/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,438
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,603
−HK$1,181/mo
Today · 4.125%
HK$45,784
baseline
▲ 0.50% · 4.625%
HK$48,198
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,568/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,854
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,312
−HK$1,481/mo
Today · 4.125%
HK$49,793
baseline
▲ 0.50% · 4.625%
HK$52,822
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,586/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,125
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,523
−HK$1,418/mo
Today · 4.125%
HK$54,941
baseline
▲ 0.50% · 4.625%
HK$57,837
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,882/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,663
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,364
−HK$1,727/mo
Today · 4.125%
HK$58,091
baseline
▲ 0.50% · 4.625%
HK$61,626
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,182/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,813
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$62,444
−HK$1,654/mo
Today · 4.125%
HK$64,098
baseline
▲ 0.50% · 4.625%
HK$67,477
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,196/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,282
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,468
−HK$2,221/mo
Today · 4.125%
HK$74,689
baseline
▲ 0.50% · 4.625%
HK$79,234
+HK$4,545/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,378/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,188
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,285
−HK$2,127/mo
Today · 4.125%
HK$82,412
baseline
▲ 0.50% · 4.625%
HK$86,756
+HK$4,344/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,824/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,121 · Scale 2, in force from 26 Feb 2026)