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$39,107
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,324
−HK$1,236/mo
Today · 4.125%
HK$41,560
baseline
▲ 0.50% · 4.625%
HK$44,088
+HK$2,528/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,120/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,506
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,184/mo
Today · 4.125%
HK$45,857
baseline
▲ 0.50% · 4.625%
HK$48,274
+HK$2,417/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,714/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,929
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,388
−HK$1,484/mo
Today · 4.125%
HK$49,872
baseline
▲ 0.50% · 4.625%
HK$52,906
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,744/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,208
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$53,608
−HK$1,420/mo
Today · 4.125%
HK$55,028
baseline
▲ 0.50% · 4.625%
HK$57,929
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,056/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,750
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,453
−HK$1,730/mo
Today · 4.125%
HK$58,183
baseline
▲ 0.50% · 4.625%
HK$61,724
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,366/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,909
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,543
−HK$1,657/mo
Today · 4.125%
HK$64,200
baseline
▲ 0.50% · 4.625%
HK$67,584
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,400/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,393
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,583
−HK$2,224/mo
Today · 4.125%
HK$74,807
baseline
▲ 0.50% · 4.625%
HK$79,359
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,614/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,312
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,412
−HK$2,131/mo
Today · 4.125%
HK$82,543
baseline
▲ 0.50% · 4.625%
HK$86,893
+HK$4,350/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,086/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,140 · Scale 2, in force from 26 Feb 2026)