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$39,103
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,319
−HK$1,236/mo
Today · 4.125%
HK$41,555
baseline
▲ 0.50% · 4.625%
HK$44,084
+HK$2,529/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,110/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,502
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,184/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,269
+HK$2,417/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,924
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,383
−HK$1,483/mo
Today · 4.125%
HK$49,866
baseline
▲ 0.50% · 4.625%
HK$52,900
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,732/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,202
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,602
−HK$1,420/mo
Today · 4.125%
HK$55,022
baseline
▲ 0.50% · 4.625%
HK$57,923
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,044/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,744
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,447
−HK$1,730/mo
Today · 4.125%
HK$58,177
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,540/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,354/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,902
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,536
−HK$1,657/mo
Today · 4.125%
HK$64,193
baseline
▲ 0.50% · 4.625%
HK$67,576
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,386/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,385
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,575
−HK$2,224/mo
Today · 4.125%
HK$74,799
baseline
▲ 0.50% · 4.625%
HK$79,351
+HK$4,552/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,598/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,303
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,403
−HK$2,131/mo
Today · 4.125%
HK$82,534
baseline
▲ 0.50% · 4.625%
HK$86,884
+HK$4,350/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$165,068/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,070 · Scale 2, in force from 26 Feb 2026)