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$39,085
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,300
−HK$1,236/mo
Today · 4.125%
HK$41,536
baseline
▲ 0.50% · 4.625%
HK$44,063
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,072/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,481
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$44,647
−HK$1,183/mo
Today · 4.125%
HK$45,830
baseline
▲ 0.50% · 4.625%
HK$48,246
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,660/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,901
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$48,360
−HK$1,483/mo
Today · 4.125%
HK$49,843
baseline
▲ 0.50% · 4.625%
HK$52,875
+HK$3,032/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$99,686/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,177
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,577
−HK$1,419/mo
Today · 4.125%
HK$54,996
baseline
▲ 0.50% · 4.625%
HK$57,895
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$109,992/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,718
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,420
−HK$1,730/mo
Today · 4.125%
HK$58,150
baseline
▲ 0.50% · 4.625%
HK$61,688
+HK$3,538/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,300/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,874
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$62,506
−HK$1,656/mo
Today · 4.125%
HK$64,162
baseline
▲ 0.50% · 4.625%
HK$67,545
+HK$3,383/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,324/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,352
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,541
−HK$2,223/mo
Today · 4.125%
HK$74,764
baseline
▲ 0.50% · 4.625%
HK$79,313
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,266
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,365
−HK$2,130/mo
Today · 4.125%
HK$82,495
baseline
▲ 0.50% · 4.625%
HK$86,843
+HK$4,348/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$164,990/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,767 · Scale 2, in force from 26 Feb 2026)