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$39,106
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,323
−HK$1,236/mo
Today · 4.125%
HK$41,559
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,118/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,184/mo
Today · 4.125%
HK$45,856
baseline
▲ 0.50% · 4.625%
HK$48,273
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,712/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,927
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,387
−HK$1,483/mo
Today · 4.125%
HK$49,870
baseline
▲ 0.50% · 4.625%
HK$52,905
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,740/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,206
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,606
−HK$1,421/mo
Today · 4.125%
HK$55,027
baseline
▲ 0.50% · 4.625%
HK$57,927
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,054/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,749
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,730/mo
Today · 4.125%
HK$58,182
baseline
▲ 0.50% · 4.625%
HK$61,722
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,364/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,907
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,657/mo
Today · 4.125%
HK$64,198
baseline
▲ 0.50% · 4.625%
HK$67,582
+HK$3,384/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,396/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,391
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,581
−HK$2,224/mo
Today · 4.125%
HK$74,805
baseline
▲ 0.50% · 4.625%
HK$79,357
+HK$4,552/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,610/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,309
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,410
−HK$2,130/mo
Today · 4.125%
HK$82,540
baseline
▲ 0.50% · 4.625%
HK$86,891
+HK$4,351/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,080/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,122 · Scale 2, in force from 26 Feb 2026)