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$39,166
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,384
−HK$1,238/mo
Today · 4.125%
HK$41,622
baseline
▲ 0.50% · 4.625%
HK$44,154
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,244/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,572
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,740
−HK$1,186/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,346
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,999
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,461
−HK$1,485/mo
Today · 4.125%
HK$49,946
baseline
▲ 0.50% · 4.625%
HK$52,985
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,892/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,286
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,688
−HK$1,423/mo
Today · 4.125%
HK$55,111
baseline
▲ 0.50% · 4.625%
HK$58,016
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,222/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,832
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,538
−HK$1,733/mo
Today · 4.125%
HK$58,271
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,542/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,000
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,636
−HK$1,660/mo
Today · 4.125%
HK$64,296
baseline
▲ 0.50% · 4.625%
HK$67,685
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,592/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,498
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,691
−HK$2,228/mo
Today · 4.125%
HK$74,919
baseline
▲ 0.50% · 4.625%
HK$79,478
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,838/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,429
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,134/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,024
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,103 · Scale 2, in force from 26 Feb 2026)