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$39,191
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,410
−HK$1,239/mo
Today · 4.125%
HK$41,649
baseline
▲ 0.50% · 4.625%
HK$44,183
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,298/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,600
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,769
−HK$1,187/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,378
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,030
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,493
−HK$1,486/mo
Today · 4.125%
HK$49,979
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,958/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,320
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,723
−HK$1,424/mo
Today · 4.125%
HK$55,147
baseline
▲ 0.50% · 4.625%
HK$58,054
+HK$2,907/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,294/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,868
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,575
−HK$1,734/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,857
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,040
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,677
−HK$1,661/mo
Today · 4.125%
HK$64,338
baseline
▲ 0.50% · 4.625%
HK$67,729
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,676/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,545
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,739
−HK$2,229/mo
Today · 4.125%
HK$74,968
baseline
▲ 0.50% · 4.625%
HK$79,530
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,936/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,480
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,585
−HK$2,135/mo
Today · 4.125%
HK$82,720
baseline
▲ 0.50% · 4.625%
HK$87,080
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,440/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,524 · Scale 2, in force from 26 Feb 2026)