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$39,123
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,237/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,184/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,948
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,408
−HK$1,484/mo
Today · 4.125%
HK$49,892
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,784/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,229
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,630
−HK$1,421/mo
Today · 4.125%
HK$55,051
baseline
▲ 0.50% · 4.625%
HK$57,953
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,102/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,773
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,731/mo
Today · 4.125%
HK$58,207
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,414/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,934
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,568
−HK$1,658/mo
Today · 4.125%
HK$64,226
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,452/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$2,225/mo
Today · 4.125%
HK$74,838
baseline
▲ 0.50% · 4.625%
HK$79,392
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,676/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,344
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,131/mo
Today · 4.125%
HK$82,576
baseline
▲ 0.50% · 4.625%
HK$86,929
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,152/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,404 · Scale 2, in force from 26 Feb 2026)