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$39,182
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,401
−HK$1,238/mo
Today · 4.125%
HK$41,639
baseline
▲ 0.50% · 4.625%
HK$44,172
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,278/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,589
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,758
−HK$1,186/mo
Today · 4.125%
HK$45,944
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,888/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,018
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,481
−HK$1,486/mo
Today · 4.125%
HK$49,967
baseline
▲ 0.50% · 4.625%
HK$53,007
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,934/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,307
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,710
−HK$1,423/mo
Today · 4.125%
HK$55,133
baseline
▲ 0.50% · 4.625%
HK$58,039
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,266/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,561
−HK$1,733/mo
Today · 4.125%
HK$58,294
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,547/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,588/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,025
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,662
−HK$1,660/mo
Today · 4.125%
HK$64,322
baseline
▲ 0.50% · 4.625%
HK$67,713
+HK$3,391/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,644/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,527
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,721
−HK$2,229/mo
Today · 4.125%
HK$74,950
baseline
▲ 0.50% · 4.625%
HK$79,510
+HK$4,560/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,900/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,461
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,565
−HK$2,135/mo
Today · 4.125%
HK$82,700
baseline
▲ 0.50% · 4.625%
HK$87,059
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,400/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,366 · Scale 2, in force from 26 Feb 2026)