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$39,138
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,355
−HK$1,237/mo
Today · 4.125%
HK$41,592
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,184/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,708
−HK$1,185/mo
Today · 4.125%
HK$45,893
baseline
▲ 0.50% · 4.625%
HK$48,312
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,786/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,965
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,426
−HK$1,484/mo
Today · 4.125%
HK$49,910
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,820/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,248
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,650
−HK$1,421/mo
Today · 4.125%
HK$55,071
baseline
▲ 0.50% · 4.625%
HK$57,974
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,142/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,793
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,497
−HK$1,732/mo
Today · 4.125%
HK$58,229
baseline
▲ 0.50% · 4.625%
HK$61,772
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,458/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,956
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,591
−HK$1,659/mo
Today · 4.125%
HK$64,250
baseline
▲ 0.50% · 4.625%
HK$67,636
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,500/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,448
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,639
−HK$2,226/mo
Today · 4.125%
HK$74,865
baseline
▲ 0.50% · 4.625%
HK$79,421
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,730/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,372
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,474
−HK$2,133/mo
Today · 4.125%
HK$82,607
baseline
▲ 0.50% · 4.625%
HK$86,961
+HK$4,354/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,214/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,639 · Scale 2, in force from 26 Feb 2026)