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$39,123
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,340
−HK$1,236/mo
Today · 4.125%
HK$41,576
baseline
▲ 0.50% · 4.625%
HK$44,106
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,152/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,184/mo
Today · 4.125%
HK$45,875
baseline
▲ 0.50% · 4.625%
HK$48,293
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,750/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,947
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,407
−HK$1,484/mo
Today · 4.125%
HK$49,891
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,782/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,228
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,629
−HK$1,421/mo
Today · 4.125%
HK$55,050
baseline
▲ 0.50% · 4.625%
HK$57,952
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,100/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,772
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,731/mo
Today · 4.125%
HK$58,206
baseline
▲ 0.50% · 4.625%
HK$61,748
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,412/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,933
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,567
−HK$1,658/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$67,610
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,421
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,611
−HK$2,226/mo
Today · 4.125%
HK$74,837
baseline
▲ 0.50% · 4.625%
HK$79,390
+HK$4,553/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,674/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,342
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,443
−HK$2,132/mo
Today · 4.125%
HK$82,575
baseline
▲ 0.50% · 4.625%
HK$86,928
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,150/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,393 · Scale 2, in force from 26 Feb 2026)