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$39,076
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,292
−HK$1,235/mo
Today · 4.125%
HK$41,527
baseline
▲ 0.50% · 4.625%
HK$44,054
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,054/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,472
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,183/mo
Today · 4.125%
HK$45,821
baseline
▲ 0.50% · 4.625%
HK$48,236
+HK$2,415/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,642/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,892
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$48,350
−HK$1,482/mo
Today · 4.125%
HK$49,832
baseline
▲ 0.50% · 4.625%
HK$52,864
+HK$3,032/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$99,664/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,167
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$53,566
−HK$1,419/mo
Today · 4.125%
HK$54,985
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$2,898/mo
Deposit HK$6.85M · loan HK$10.28M · min. income ≈ HK$109,970/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,707
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$56,409
−HK$1,729/mo
Today · 4.125%
HK$58,138
baseline
▲ 0.50% · 4.625%
HK$61,675
+HK$3,537/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,276/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,861
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,493
−HK$1,656/mo
Today · 4.125%
HK$64,149
baseline
▲ 0.50% · 4.625%
HK$67,530
+HK$3,381/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,298/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,338
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,525
−HK$2,223/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,250
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,348
−HK$2,129/mo
Today · 4.125%
HK$82,477
baseline
▲ 0.50% · 4.625%
HK$86,825
+HK$4,348/mo
Deposit HK$1.71M · loan HK$15.42M · min. income ≈ HK$164,954/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,632 · Scale 2, in force from 26 Feb 2026)