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$39,173
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,392
−HK$1,238/mo
Today · 4.125%
HK$41,630
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,260/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,580
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,185/mo
Today · 4.125%
HK$45,934
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,868/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,008
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,470
−HK$1,486/mo
Today · 4.125%
HK$49,956
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,912/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,296
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,698
−HK$1,423/mo
Today · 4.125%
HK$55,121
baseline
▲ 0.50% · 4.625%
HK$58,027
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,242/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,843
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,548
−HK$1,734/mo
Today · 4.125%
HK$58,282
baseline
▲ 0.50% · 4.625%
HK$61,828
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,564/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,012
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,648
−HK$1,660/mo
Today · 4.125%
HK$64,308
baseline
▲ 0.50% · 4.625%
HK$67,698
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,616/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,512
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,705
−HK$2,229/mo
Today · 4.125%
HK$74,934
baseline
▲ 0.50% · 4.625%
HK$79,493
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,868/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,444
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,547
−HK$2,135/mo
Today · 4.125%
HK$82,682
baseline
▲ 0.50% · 4.625%
HK$87,040
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,364/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,224 · Scale 2, in force from 26 Feb 2026)