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$39,066
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$40,281
−HK$1,235/mo
Today · 4.125%
HK$41,516
baseline
▲ 0.50% · 4.625%
HK$44,042
+HK$2,526/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,032/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,461
−HK$2,348/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,183/mo
Today · 4.125%
HK$45,809
baseline
▲ 0.50% · 4.625%
HK$48,224
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,618/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,880
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,338
−HK$1,481/mo
Today · 4.125%
HK$49,819
baseline
▲ 0.50% · 4.625%
HK$52,851
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,638/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,153
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,552
−HK$1,419/mo
Today · 4.125%
HK$54,971
baseline
▲ 0.50% · 4.625%
HK$57,868
+HK$2,897/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,942/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$56,394
−HK$1,729/mo
Today · 4.125%
HK$58,123
baseline
▲ 0.50% · 4.625%
HK$61,659
+HK$3,536/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$116,246/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,845
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$62,477
−HK$1,655/mo
Today · 4.125%
HK$64,132
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,381/mo
Deposit HK$5.14M · loan HK$11.99M · min. income ≈ HK$128,264/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,319
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,507
−HK$2,222/mo
Today · 4.125%
HK$74,729
baseline
▲ 0.50% · 4.625%
HK$79,276
+HK$4,547/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,458/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,230
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,328
−HK$2,128/mo
Today · 4.125%
HK$82,456
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,346/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,912/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,466 · Scale 2, in force from 26 Feb 2026)