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$39,017
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,233/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,523/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,181/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,411/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,821
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,277
−HK$1,480/mo
Today · 4.125%
HK$49,757
baseline
▲ 0.50% · 4.625%
HK$52,785
+HK$3,028/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,514/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,088
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,485
−HK$1,417/mo
Today · 4.125%
HK$54,902
baseline
▲ 0.50% · 4.625%
HK$57,796
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,804/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,624
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,727/mo
Today · 4.125%
HK$58,050
baseline
▲ 0.50% · 4.625%
HK$61,582
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,100/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,769
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,399
−HK$1,653/mo
Today · 4.125%
HK$64,052
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,104/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,231
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,416
−HK$2,219/mo
Today · 4.125%
HK$74,635
baseline
▲ 0.50% · 4.625%
HK$79,177
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,270/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,132
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,227
−HK$2,126/mo
Today · 4.125%
HK$82,353
baseline
▲ 0.50% · 4.625%
HK$86,694
+HK$4,341/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,706/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,661 · Scale 2, in force from 26 Feb 2026)