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$39,063
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,279
−HK$1,234/mo
Today · 4.125%
HK$41,513
baseline
▲ 0.50% · 4.625%
HK$44,039
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,026/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,623
−HK$1,183/mo
Today · 4.125%
HK$45,806
baseline
▲ 0.50% · 4.625%
HK$48,220
+HK$2,414/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,612/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,876
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,334
−HK$1,482/mo
Today · 4.125%
HK$49,816
baseline
▲ 0.50% · 4.625%
HK$52,847
+HK$3,031/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,632/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,149
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,548
−HK$1,419/mo
Today · 4.125%
HK$54,967
baseline
▲ 0.50% · 4.625%
HK$57,864
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,934/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,689
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$56,390
−HK$1,728/mo
Today · 4.125%
HK$58,118
baseline
▲ 0.50% · 4.625%
HK$61,655
+HK$3,537/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,236/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,841
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,473
−HK$1,655/mo
Today · 4.125%
HK$64,128
baseline
▲ 0.50% · 4.625%
HK$67,508
+HK$3,380/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,256/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,314
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$2,223/mo
Today · 4.125%
HK$74,724
baseline
▲ 0.50% · 4.625%
HK$79,270
+HK$4,546/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,448/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,224
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,322
−HK$2,128/mo
Today · 4.125%
HK$82,450
baseline
▲ 0.50% · 4.625%
HK$86,796
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,900/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,420 · Scale 2, in force from 26 Feb 2026)