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$39,157
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,375
−HK$1,238/mo
Today · 4.125%
HK$41,613
baseline
▲ 0.50% · 4.625%
HK$44,145
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,226/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,562
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,185/mo
Today · 4.125%
HK$45,916
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,832/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,989
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,451
−HK$1,485/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,974
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,275
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,677
−HK$1,422/mo
Today · 4.125%
HK$55,099
baseline
▲ 0.50% · 4.625%
HK$58,003
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,198/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,820
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,732/mo
Today · 4.125%
HK$58,258
baseline
▲ 0.50% · 4.625%
HK$61,803
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,516/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,987
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,623
−HK$1,659/mo
Today · 4.125%
HK$64,282
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,564/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,483
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$2,227/mo
Today · 4.125%
HK$74,903
baseline
▲ 0.50% · 4.625%
HK$79,461
+HK$4,558/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,806/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,412
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,515
−HK$2,134/mo
Today · 4.125%
HK$82,649
baseline
▲ 0.50% · 4.625%
HK$87,005
+HK$4,356/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,298/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,965 · Scale 2, in force from 26 Feb 2026)