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$39,050
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,265
−HK$1,234/mo
Today · 4.125%
HK$41,499
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,998/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,443
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,608
−HK$1,182/mo
Today · 4.125%
HK$45,790
baseline
▲ 0.50% · 4.625%
HK$48,204
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,580/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,860
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,318
−HK$1,481/mo
Today · 4.125%
HK$49,799
baseline
▲ 0.50% · 4.625%
HK$52,829
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,598/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,132
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,530
−HK$1,418/mo
Today · 4.125%
HK$54,948
baseline
▲ 0.50% · 4.625%
HK$57,845
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,896/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,670
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,371
−HK$1,728/mo
Today · 4.125%
HK$58,099
baseline
▲ 0.50% · 4.625%
HK$61,634
+HK$3,535/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,198/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,820
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$62,451
−HK$1,655/mo
Today · 4.125%
HK$64,106
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,212/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,290
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,477
−HK$2,221/mo
Today · 4.125%
HK$74,698
baseline
▲ 0.50% · 4.625%
HK$79,244
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,396/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,197
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,295
−HK$2,127/mo
Today · 4.125%
HK$82,422
baseline
▲ 0.50% · 4.625%
HK$86,767
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,844/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$642,202 · Scale 2, in force from 26 Feb 2026)