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$2,446/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,233/mo
Today · 4.125%
HK$41,463
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,523/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,926/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,570
−HK$1,181/mo
Today · 4.125%
HK$45,751
baseline
▲ 0.50% · 4.625%
HK$48,162
+HK$2,411/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,502/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,820
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,276
−HK$1,480/mo
Today · 4.125%
HK$49,756
baseline
▲ 0.50% · 4.625%
HK$52,784
+HK$3,028/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$99,512/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,087
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$53,484
−HK$1,417/mo
Today · 4.125%
HK$54,901
baseline
▲ 0.50% · 4.625%
HK$57,795
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.27M · min. income ≈ HK$109,802/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,623
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,726/mo
Today · 4.125%
HK$58,049
baseline
▲ 0.50% · 4.625%
HK$61,581
+HK$3,532/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,098/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,768
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,398
−HK$1,653/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,427
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,230
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$72,415
−HK$2,219/mo
Today · 4.125%
HK$74,634
baseline
▲ 0.50% · 4.625%
HK$79,175
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,268/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,130
−HK$4,221/mo
▼ 0.25% · 3.875%
HK$80,226
−HK$2,125/mo
Today · 4.125%
HK$82,351
baseline
▲ 0.50% · 4.625%
HK$86,692
+HK$4,341/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,702/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,651 · Scale 2, in force from 26 Feb 2026)