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$39,078
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,293
−HK$1,235/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,639
−HK$1,183/mo
Today · 4.125%
HK$45,822
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,644/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,893
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,352
−HK$1,482/mo
Today · 4.125%
HK$49,834
baseline
▲ 0.50% · 4.625%
HK$52,866
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,668/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,168
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,567
−HK$1,420/mo
Today · 4.125%
HK$54,987
baseline
▲ 0.50% · 4.625%
HK$57,885
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,974/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,709
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,729/mo
Today · 4.125%
HK$58,139
baseline
▲ 0.50% · 4.625%
HK$61,677
+HK$3,538/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,278/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,863
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,495
−HK$1,656/mo
Today · 4.125%
HK$64,151
baseline
▲ 0.50% · 4.625%
HK$67,532
+HK$3,381/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,302/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,340
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,528
−HK$2,222/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$79,299
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,252
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,351
−HK$2,129/mo
Today · 4.125%
HK$82,480
baseline
▲ 0.50% · 4.625%
HK$86,827
+HK$4,347/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,960/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,651 · Scale 2, in force from 26 Feb 2026)