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$39,130
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,236/mo
Today · 4.125%
HK$41,584
baseline
▲ 0.50% · 4.625%
HK$44,114
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,168/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,532
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,184/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,417
−HK$1,484/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,937
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,421/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$57,963
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,783
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,487
−HK$1,731/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,760
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,945
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,658/mo
Today · 4.125%
HK$64,238
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,476/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,435
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,626
−HK$2,226/mo
Today · 4.125%
HK$74,852
baseline
▲ 0.50% · 4.625%
HK$79,406
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,704/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,358
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,459
−HK$2,132/mo
Today · 4.125%
HK$82,591
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,354/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,182/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,520 · Scale 2, in force from 26 Feb 2026)