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$39,013
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,233/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,523/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,181/mo
Today · 4.125%
HK$45,746
baseline
▲ 0.50% · 4.625%
HK$48,157
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,492/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,815
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,271
−HK$1,480/mo
Today · 4.125%
HK$49,751
baseline
▲ 0.50% · 4.625%
HK$52,778
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,502/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,081
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,417/mo
Today · 4.125%
HK$54,895
baseline
▲ 0.50% · 4.625%
HK$57,789
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,790/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,317
−HK$1,726/mo
Today · 4.125%
HK$58,043
baseline
▲ 0.50% · 4.625%
HK$61,574
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,086/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,762
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$62,391
−HK$1,653/mo
Today · 4.125%
HK$64,044
baseline
▲ 0.50% · 4.625%
HK$67,420
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,088/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,223
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,407
−HK$2,219/mo
Today · 4.125%
HK$74,626
baseline
▲ 0.50% · 4.625%
HK$79,167
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,252/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,122
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,217
−HK$2,126/mo
Today · 4.125%
HK$82,343
baseline
▲ 0.50% · 4.625%
HK$86,683
+HK$4,340/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,686/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,584 · Scale 2, in force from 26 Feb 2026)