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$38,985
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,232/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,521/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,371
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,180/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,409/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,782
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,237
−HK$1,479/mo
Today · 4.125%
HK$49,716
baseline
▲ 0.50% · 4.625%
HK$52,741
+HK$3,025/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,432/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,045
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,440
−HK$1,416/mo
Today · 4.125%
HK$54,856
baseline
▲ 0.50% · 4.625%
HK$57,748
+HK$2,892/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,712/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,579
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$56,277
−HK$1,725/mo
Today · 4.125%
HK$58,002
baseline
▲ 0.50% · 4.625%
HK$61,531
+HK$3,529/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$116,004/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,719
−HK$3,280/mo
▼ 0.25% · 3.875%
HK$62,347
−HK$1,652/mo
Today · 4.125%
HK$63,999
baseline
▲ 0.50% · 4.625%
HK$67,373
+HK$3,374/mo
Deposit HK$5.13M · loan HK$11.97M · min. income ≈ HK$127,998/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,173
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,356
−HK$2,218/mo
Today · 4.125%
HK$74,574
baseline
▲ 0.50% · 4.625%
HK$79,111
+HK$4,537/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$149,148/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,067
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,161
−HK$2,124/mo
Today · 4.125%
HK$82,285
baseline
▲ 0.50% · 4.625%
HK$86,622
+HK$4,337/mo
Deposit HK$1.71M · loan HK$15.39M · min. income ≈ HK$164,570/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,131 · Scale 2, in force from 26 Feb 2026)