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$39,138
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,356
−HK$1,237/mo
Today · 4.125%
HK$41,593
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,186/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,541
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,709
−HK$1,185/mo
Today · 4.125%
HK$45,894
baseline
▲ 0.50% · 4.625%
HK$48,313
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,788/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,966
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,427
−HK$1,484/mo
Today · 4.125%
HK$49,911
baseline
▲ 0.50% · 4.625%
HK$52,948
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,822/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,249
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,651
−HK$1,421/mo
Today · 4.125%
HK$55,072
baseline
▲ 0.50% · 4.625%
HK$57,975
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,144/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,794
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,732/mo
Today · 4.125%
HK$58,230
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,460/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,958
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,592
−HK$1,659/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$67,638
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,449
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,641
−HK$2,226/mo
Today · 4.125%
HK$74,867
baseline
▲ 0.50% · 4.625%
HK$79,422
+HK$4,555/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,734/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,374
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,476
−HK$2,132/mo
Today · 4.125%
HK$82,608
baseline
▲ 0.50% · 4.625%
HK$86,963
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,216/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,652 · Scale 2, in force from 26 Feb 2026)