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$39,028
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,242
−HK$1,234/mo
Today · 4.125%
HK$41,476
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,523/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$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,418
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,583
−HK$1,181/mo
Today · 4.125%
HK$45,764
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,528/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,834
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,291
−HK$1,480/mo
Today · 4.125%
HK$49,771
baseline
▲ 0.50% · 4.625%
HK$52,799
+HK$3,028/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,542/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,102
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,499
−HK$1,418/mo
Today · 4.125%
HK$54,917
baseline
▲ 0.50% · 4.625%
HK$57,812
+HK$2,895/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,834/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,639
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,339
−HK$1,727/mo
Today · 4.125%
HK$58,066
baseline
▲ 0.50% · 4.625%
HK$61,599
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,132/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,786
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,416
−HK$1,654/mo
Today · 4.125%
HK$64,070
baseline
▲ 0.50% · 4.625%
HK$67,447
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,140/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,251
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,436
−HK$2,220/mo
Today · 4.125%
HK$74,656
baseline
▲ 0.50% · 4.625%
HK$79,199
+HK$4,543/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,312/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,153
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,249
−HK$2,126/mo
Today · 4.125%
HK$82,375
baseline
▲ 0.50% · 4.625%
HK$86,718
+HK$4,343/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,750/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,838 · Scale 2, in force from 26 Feb 2026)