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$39,190
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,409
−HK$1,239/mo
Today · 4.125%
HK$41,648
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,296/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,768
−HK$1,186/mo
Today · 4.125%
HK$45,954
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,908/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,028
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,491
−HK$1,486/mo
Today · 4.125%
HK$49,977
baseline
▲ 0.50% · 4.625%
HK$53,018
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,954/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,318
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,721
−HK$1,424/mo
Today · 4.125%
HK$55,145
baseline
▲ 0.50% · 4.625%
HK$58,052
+HK$2,907/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,290/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,866
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,573
−HK$1,734/mo
Today · 4.125%
HK$58,307
baseline
▲ 0.50% · 4.625%
HK$61,854
+HK$3,547/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,614/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,038
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,675
−HK$1,661/mo
Today · 4.125%
HK$64,336
baseline
▲ 0.50% · 4.625%
HK$67,727
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,672/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,542
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,736
−HK$2,230/mo
Today · 4.125%
HK$74,966
baseline
▲ 0.50% · 4.625%
HK$79,527
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,932/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,477
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,582
−HK$2,135/mo
Today · 4.125%
HK$82,717
baseline
▲ 0.50% · 4.625%
HK$87,077
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,434/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,501 · Scale 2, in force from 26 Feb 2026)