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$39,098
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,315
−HK$1,235/mo
Today · 4.125%
HK$41,550
baseline
▲ 0.50% · 4.625%
HK$44,078
+HK$2,528/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,100/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,663
−HK$1,184/mo
Today · 4.125%
HK$45,847
baseline
▲ 0.50% · 4.625%
HK$48,263
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,694/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,918
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,377
−HK$1,483/mo
Today · 4.125%
HK$49,860
baseline
▲ 0.50% · 4.625%
HK$52,894
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,720/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,196
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,596
−HK$1,420/mo
Today · 4.125%
HK$55,016
baseline
▲ 0.50% · 4.625%
HK$57,916
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,032/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,738
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,440
−HK$1,730/mo
Today · 4.125%
HK$58,170
baseline
▲ 0.50% · 4.625%
HK$61,710
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,340/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,895
−HK$3,290/mo
▼ 0.25% · 3.875%
HK$62,528
−HK$1,657/mo
Today · 4.125%
HK$64,185
baseline
▲ 0.50% · 4.625%
HK$67,568
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,370/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,377
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,566
−HK$2,224/mo
Today · 4.125%
HK$74,790
baseline
▲ 0.50% · 4.625%
HK$79,341
+HK$4,551/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,580/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,294
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,394
−HK$2,130/mo
Today · 4.125%
HK$82,524
baseline
▲ 0.50% · 4.625%
HK$86,874
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,048/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,993 · Scale 2, in force from 26 Feb 2026)