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$39,071
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,286
−HK$1,235/mo
Today · 4.125%
HK$41,521
baseline
▲ 0.50% · 4.625%
HK$44,048
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,042/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,466
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,183/mo
Today · 4.125%
HK$45,815
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,630/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,885
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,344
−HK$1,481/mo
Today · 4.125%
HK$49,825
baseline
▲ 0.50% · 4.625%
HK$52,857
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,650/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,159
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,558
−HK$1,419/mo
Today · 4.125%
HK$54,977
baseline
▲ 0.50% · 4.625%
HK$57,875
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,954/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,700
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,401
−HK$1,729/mo
Today · 4.125%
HK$58,130
baseline
▲ 0.50% · 4.625%
HK$61,667
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,260/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,853
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,485
−HK$1,655/mo
Today · 4.125%
HK$64,140
baseline
▲ 0.50% · 4.625%
HK$67,521
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,280/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,328
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,516
−HK$2,222/mo
Today · 4.125%
HK$74,738
baseline
▲ 0.50% · 4.625%
HK$79,286
+HK$4,548/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,476/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,239
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,338
−HK$2,128/mo
Today · 4.125%
HK$82,466
baseline
▲ 0.50% · 4.625%
HK$86,813
+HK$4,347/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,932/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,545 · Scale 2, in force from 26 Feb 2026)