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$39,026
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,234/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,523/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,416
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,181/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,412/mo
Deposit HK$8.56M · loan HK$8.56M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,832
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$48,288
−HK$1,480/mo
Today · 4.125%
HK$49,768
baseline
▲ 0.50% · 4.625%
HK$52,797
+HK$3,029/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$99,536/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,100
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$53,497
−HK$1,418/mo
Today · 4.125%
HK$54,915
baseline
▲ 0.50% · 4.625%
HK$57,809
+HK$2,894/mo
Deposit HK$6.85M · loan HK$10.27M · min. income ≈ HK$109,830/mo (50% DSR)
Upfront cash ≈ HK$7.49M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$56,336
−HK$1,727/mo
Today · 4.125%
HK$58,063
baseline
▲ 0.50% · 4.625%
HK$61,596
+HK$3,533/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,126/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,783
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,413
−HK$1,654/mo
Today · 4.125%
HK$64,067
baseline
▲ 0.50% · 4.625%
HK$67,444
+HK$3,377/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,134/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,247
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,433
−HK$2,220/mo
Today · 4.125%
HK$74,653
baseline
▲ 0.50% · 4.625%
HK$79,195
+HK$4,542/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,306/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,150
−HK$4,222/mo
▼ 0.25% · 3.875%
HK$80,246
−HK$2,126/mo
Today · 4.125%
HK$82,372
baseline
▲ 0.50% · 4.625%
HK$86,714
+HK$4,342/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,744/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,810 · Scale 2, in force from 26 Feb 2026)