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$39,091
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,307
−HK$1,235/mo
Today · 4.125%
HK$41,542
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,084/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,488
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,655
−HK$1,183/mo
Today · 4.125%
HK$45,838
baseline
▲ 0.50% · 4.625%
HK$48,254
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,676/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,909
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,368
−HK$1,483/mo
Today · 4.125%
HK$49,851
baseline
▲ 0.50% · 4.625%
HK$52,884
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,702/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,186
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,586
−HK$1,419/mo
Today · 4.125%
HK$55,005
baseline
▲ 0.50% · 4.625%
HK$57,905
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,010/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,727
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,430
−HK$1,729/mo
Today · 4.125%
HK$58,159
baseline
▲ 0.50% · 4.625%
HK$61,698
+HK$3,539/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,318/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,884
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,516
−HK$1,657/mo
Today · 4.125%
HK$64,173
baseline
▲ 0.50% · 4.625%
HK$67,556
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,346/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,552
−HK$2,224/mo
Today · 4.125%
HK$74,776
baseline
▲ 0.50% · 4.625%
HK$79,326
+HK$4,550/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,552/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,279
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,378
−HK$2,130/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$86,857
+HK$4,349/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,872 · Scale 2, in force from 26 Feb 2026)