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$39,029
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,243
−HK$1,233/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,524/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,952/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,584
−HK$1,181/mo
Today · 4.125%
HK$45,765
baseline
▲ 0.50% · 4.625%
HK$48,178
+HK$2,413/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,530/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,835
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,292
−HK$1,480/mo
Today · 4.125%
HK$49,772
baseline
▲ 0.50% · 4.625%
HK$52,800
+HK$3,028/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,544/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,103
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,501
−HK$1,417/mo
Today · 4.125%
HK$54,918
baseline
▲ 0.50% · 4.625%
HK$57,813
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,836/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,641
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,340
−HK$1,727/mo
Today · 4.125%
HK$58,067
baseline
▲ 0.50% · 4.625%
HK$61,600
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,134/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,787
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,417
−HK$1,654/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,449
+HK$3,378/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,252
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,437
−HK$2,221/mo
Today · 4.125%
HK$74,658
baseline
▲ 0.50% · 4.625%
HK$79,200
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,316/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,155
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,251
−HK$2,126/mo
Today · 4.125%
HK$82,377
baseline
▲ 0.50% · 4.625%
HK$86,720
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,754/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,853 · Scale 2, in force from 26 Feb 2026)