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$39,158
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,376
−HK$1,238/mo
Today · 4.125%
HK$41,614
baseline
▲ 0.50% · 4.625%
HK$44,146
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,228/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,186/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,990
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,451
−HK$1,485/mo
Today · 4.125%
HK$49,936
baseline
▲ 0.50% · 4.625%
HK$52,975
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,872/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,276
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,678
−HK$1,422/mo
Today · 4.125%
HK$55,100
baseline
▲ 0.50% · 4.625%
HK$58,004
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,200/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,821
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,732/mo
Today · 4.125%
HK$58,259
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,518/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,988
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,659/mo
Today · 4.125%
HK$64,283
baseline
▲ 0.50% · 4.625%
HK$67,672
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,566/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,485
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,677
−HK$2,228/mo
Today · 4.125%
HK$74,905
baseline
▲ 0.50% · 4.625%
HK$79,462
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,810/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,413
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,516
−HK$2,134/mo
Today · 4.125%
HK$82,650
baseline
▲ 0.50% · 4.625%
HK$87,006
+HK$4,356/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,300/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,976 · Scale 2, in force from 26 Feb 2026)