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$39,185
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,404
−HK$1,238/mo
Today · 4.125%
HK$41,642
baseline
▲ 0.50% · 4.625%
HK$44,176
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,284/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,593
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,186/mo
Today · 4.125%
HK$45,948
baseline
▲ 0.50% · 4.625%
HK$48,370
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,896/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,022
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,485
−HK$1,486/mo
Today · 4.125%
HK$49,971
baseline
▲ 0.50% · 4.625%
HK$53,011
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,942/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,311
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,714
−HK$1,424/mo
Today · 4.125%
HK$55,138
baseline
▲ 0.50% · 4.625%
HK$58,044
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,276/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,859
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,565
−HK$1,734/mo
Today · 4.125%
HK$58,299
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,547/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,598/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,667
−HK$1,660/mo
Today · 4.125%
HK$64,327
baseline
▲ 0.50% · 4.625%
HK$67,718
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,654/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,533
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$2,229/mo
Today · 4.125%
HK$74,956
baseline
▲ 0.50% · 4.625%
HK$79,517
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,912/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,467
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,572
−HK$2,134/mo
Today · 4.125%
HK$82,706
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,412/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,417 · Scale 2, in force from 26 Feb 2026)