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$39,145
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,238/mo
Today · 4.125%
HK$41,600
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,200/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,185/mo
Today · 4.125%
HK$45,901
baseline
▲ 0.50% · 4.625%
HK$48,321
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,802/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,974
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,435
−HK$1,484/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,957
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,258
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,422/mo
Today · 4.125%
HK$55,081
baseline
▲ 0.50% · 4.625%
HK$57,985
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,162/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,803
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,732/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,968
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,603
−HK$1,658/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$67,649
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,461
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$2,227/mo
Today · 4.125%
HK$74,879
baseline
▲ 0.50% · 4.625%
HK$79,435
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,758/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,387
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,133/mo
Today · 4.125%
HK$82,622
baseline
▲ 0.50% · 4.625%
HK$86,977
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,244/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,758 · Scale 2, in force from 26 Feb 2026)