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$39,142
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,237/mo
Today · 4.125%
HK$41,596
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,192/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,545
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,713
−HK$1,184/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,317
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,970
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,431
−HK$1,484/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,953
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,254
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,655
−HK$1,422/mo
Today · 4.125%
HK$55,077
baseline
▲ 0.50% · 4.625%
HK$57,980
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,154/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,798
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,503
−HK$1,732/mo
Today · 4.125%
HK$58,235
baseline
▲ 0.50% · 4.625%
HK$61,778
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,470/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,963
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,598
−HK$1,658/mo
Today · 4.125%
HK$64,256
baseline
▲ 0.50% · 4.625%
HK$67,643
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,512/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,455
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,647
−HK$2,226/mo
Today · 4.125%
HK$74,873
baseline
▲ 0.50% · 4.625%
HK$79,429
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,746/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,380
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,483
−HK$2,132/mo
Today · 4.125%
HK$82,615
baseline
▲ 0.50% · 4.625%
HK$86,970
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,230/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,706 · Scale 2, in force from 26 Feb 2026)