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$39,110
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,327
−HK$1,236/mo
Today · 4.125%
HK$41,563
baseline
▲ 0.50% · 4.625%
HK$44,092
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,126/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,510
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,677
−HK$1,184/mo
Today · 4.125%
HK$45,861
baseline
▲ 0.50% · 4.625%
HK$48,278
+HK$2,417/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,722/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,484/mo
Today · 4.125%
HK$49,876
baseline
▲ 0.50% · 4.625%
HK$52,910
+HK$3,034/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,752/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,212
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,612
−HK$1,421/mo
Today · 4.125%
HK$55,033
baseline
▲ 0.50% · 4.625%
HK$57,934
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,066/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,730/mo
Today · 4.125%
HK$58,188
baseline
▲ 0.50% · 4.625%
HK$61,729
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,376/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,914
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,657/mo
Today · 4.125%
HK$64,205
baseline
▲ 0.50% · 4.625%
HK$67,589
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,410/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,399
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,588
−HK$2,225/mo
Today · 4.125%
HK$74,813
baseline
▲ 0.50% · 4.625%
HK$79,365
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,626/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,418
−HK$2,131/mo
Today · 4.125%
HK$82,549
baseline
▲ 0.50% · 4.625%
HK$86,900
+HK$4,351/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,098/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,191 · Scale 2, in force from 26 Feb 2026)