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$39,011
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,233/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,522/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,181/mo
Today · 4.125%
HK$45,744
baseline
▲ 0.50% · 4.625%
HK$48,155
+HK$2,411/mo
Deposit HK$8.55M · loan HK$8.55M · min. income ≈ HK$91,488/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,813
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$48,269
−HK$1,479/mo
Today · 4.125%
HK$49,748
baseline
▲ 0.50% · 4.625%
HK$52,775
+HK$3,027/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$99,496/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,079
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$53,475
−HK$1,417/mo
Today · 4.125%
HK$54,892
baseline
▲ 0.50% · 4.625%
HK$57,786
+HK$2,894/mo
Deposit HK$6.84M · loan HK$10.26M · min. income ≈ HK$109,784/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,726/mo
Today · 4.125%
HK$58,040
baseline
▲ 0.50% · 4.625%
HK$61,571
+HK$3,531/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$116,080/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,758
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$62,388
−HK$1,653/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,376/mo
Deposit HK$5.13M · loan HK$11.98M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,219
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,403
−HK$2,219/mo
Today · 4.125%
HK$74,622
baseline
▲ 0.50% · 4.625%
HK$79,163
+HK$4,541/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$149,244/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,118
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,213
−HK$2,125/mo
Today · 4.125%
HK$82,338
baseline
▲ 0.50% · 4.625%
HK$86,679
+HK$4,341/mo
Deposit HK$1.71M · loan HK$15.40M · min. income ≈ HK$164,676/mo (50% DSR)
Upfront cash ≈ HK$2.35M (deposit + AVD stamp duty HK$641,549 · Scale 2, in force from 26 Feb 2026)