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$39,146
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,364
−HK$1,237/mo
Today · 4.125%
HK$41,601
baseline
▲ 0.50% · 4.625%
HK$44,132
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,202/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,185/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,322
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,975
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,437
−HK$1,484/mo
Today · 4.125%
HK$49,921
baseline
▲ 0.50% · 4.625%
HK$52,959
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,842/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,260
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,661
−HK$1,422/mo
Today · 4.125%
HK$55,083
baseline
▲ 0.50% · 4.625%
HK$57,987
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,166/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,805
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,509
−HK$1,732/mo
Today · 4.125%
HK$58,241
baseline
▲ 0.50% · 4.625%
HK$61,785
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,482/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,970
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,659/mo
Today · 4.125%
HK$64,264
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,528/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,463
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,655
−HK$2,227/mo
Today · 4.125%
HK$74,882
baseline
▲ 0.50% · 4.625%
HK$79,438
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,764/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,389
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,492
−HK$2,133/mo
Today · 4.125%
HK$82,625
baseline
▲ 0.50% · 4.625%
HK$86,980
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,250/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,779 · Scale 2, in force from 26 Feb 2026)