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$39,108
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,528/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,507
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,674
−HK$1,184/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,417/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,907
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,609
−HK$1,421/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,930
+HK$2,900/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,751
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,455
−HK$1,730/mo
Today · 4.125%
HK$58,185
baseline
▲ 0.50% · 4.625%
HK$61,725
+HK$3,540/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,370/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,910
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,544
−HK$1,657/mo
Today · 4.125%
HK$64,201
baseline
▲ 0.50% · 4.625%
HK$67,585
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,402/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,395
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,584
−HK$2,225/mo
Today · 4.125%
HK$74,809
baseline
▲ 0.50% · 4.625%
HK$79,361
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,618/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,313
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,414
−HK$2,130/mo
Today · 4.125%
HK$82,544
baseline
▲ 0.50% · 4.625%
HK$86,895
+HK$4,351/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,088/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,155 · Scale 2, in force from 26 Feb 2026)