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$39,055
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$40,270
−HK$1,234/mo
Today · 4.125%
HK$41,504
baseline
▲ 0.50% · 4.625%
HK$44,029
+HK$2,525/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$83,008/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,448
−HK$2,347/mo
▼ 0.25% · 3.875%
HK$44,613
−HK$1,182/mo
Today · 4.125%
HK$45,795
baseline
▲ 0.50% · 4.625%
HK$48,209
+HK$2,414/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,590/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,866
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,324
−HK$1,481/mo
Today · 4.125%
HK$49,805
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$3,030/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,610/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,138
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$53,536
−HK$1,419/mo
Today · 4.125%
HK$54,955
baseline
▲ 0.50% · 4.625%
HK$57,851
+HK$2,896/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,910/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,677
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$56,378
−HK$1,727/mo
Today · 4.125%
HK$58,105
baseline
▲ 0.50% · 4.625%
HK$61,641
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,210/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,827
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,459
−HK$1,655/mo
Today · 4.125%
HK$64,114
baseline
▲ 0.50% · 4.625%
HK$67,493
+HK$3,379/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,228/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,299
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$72,485
−HK$2,222/mo
Today · 4.125%
HK$74,707
baseline
▲ 0.50% · 4.625%
HK$79,253
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$149,414/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,207
−HK$4,225/mo
▼ 0.25% · 3.875%
HK$80,304
−HK$2,128/mo
Today · 4.125%
HK$82,432
baseline
▲ 0.50% · 4.625%
HK$86,777
+HK$4,345/mo
Deposit HK$1.71M · loan HK$15.41M · min. income ≈ HK$164,864/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,278 · Scale 2, in force from 26 Feb 2026)