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$39,099
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,235/mo
Today · 4.125%
HK$41,551
baseline
▲ 0.50% · 4.625%
HK$44,079
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,102/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,498
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,184/mo
Today · 4.125%
HK$45,848
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,696/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,919
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,379
−HK$1,482/mo
Today · 4.125%
HK$49,861
baseline
▲ 0.50% · 4.625%
HK$52,895
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,722/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,197
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,597
−HK$1,420/mo
Today · 4.125%
HK$55,017
baseline
▲ 0.50% · 4.625%
HK$57,917
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,034/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,739
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,442
−HK$1,730/mo
Today · 4.125%
HK$58,172
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,344/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,897
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,530
−HK$1,657/mo
Today · 4.125%
HK$64,187
baseline
▲ 0.50% · 4.625%
HK$67,570
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,374/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,379
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,568
−HK$2,224/mo
Today · 4.125%
HK$74,792
baseline
▲ 0.50% · 4.625%
HK$79,343
+HK$4,551/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,584/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,296
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,395
−HK$2,131/mo
Today · 4.125%
HK$82,526
baseline
▲ 0.50% · 4.625%
HK$86,876
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,052/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,009 · Scale 2, in force from 26 Feb 2026)