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$39,067
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,282
−HK$1,235/mo
Today · 4.125%
HK$41,517
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,034/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,627
−HK$1,183/mo
Today · 4.125%
HK$45,810
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,620/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,339
−HK$1,481/mo
Today · 4.125%
HK$49,820
baseline
▲ 0.50% · 4.625%
HK$52,852
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,640/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,154
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,553
−HK$1,419/mo
Today · 4.125%
HK$54,972
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,944/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,694
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,728/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,660
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,246/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,846
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,478
−HK$1,655/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$67,514
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,266/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,320
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,508
−HK$2,222/mo
Today · 4.125%
HK$74,730
baseline
▲ 0.50% · 4.625%
HK$79,277
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,460/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,231
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,329
−HK$2,128/mo
Today · 4.125%
HK$82,457
baseline
▲ 0.50% · 4.625%
HK$86,804
+HK$4,347/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,914/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,476 · Scale 2, in force from 26 Feb 2026)