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$39,170
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,389
−HK$1,237/mo
Today · 4.125%
HK$41,626
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,252/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,186/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,352
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,004
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,466
−HK$1,486/mo
Today · 4.125%
HK$49,952
baseline
▲ 0.50% · 4.625%
HK$52,991
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,904/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,292
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,694
−HK$1,423/mo
Today · 4.125%
HK$55,117
baseline
▲ 0.50% · 4.625%
HK$58,022
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,234/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,838
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,544
−HK$1,733/mo
Today · 4.125%
HK$58,277
baseline
▲ 0.50% · 4.625%
HK$61,823
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,554/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,007
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,643
−HK$1,660/mo
Today · 4.125%
HK$64,303
baseline
▲ 0.50% · 4.625%
HK$67,692
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,606/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,506
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,699
−HK$2,229/mo
Today · 4.125%
HK$74,928
baseline
▲ 0.50% · 4.625%
HK$79,487
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,856/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,438
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,541
−HK$2,134/mo
Today · 4.125%
HK$82,675
baseline
▲ 0.50% · 4.625%
HK$87,033
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,350/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,174 · Scale 2, in force from 26 Feb 2026)