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$39,133
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,237/mo
Today · 4.125%
HK$41,587
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,174/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,185/mo
Today · 4.125%
HK$45,887
baseline
▲ 0.50% · 4.625%
HK$48,306
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,774/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,420
−HK$1,484/mo
Today · 4.125%
HK$49,904
baseline
▲ 0.50% · 4.625%
HK$52,941
+HK$3,037/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,808/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,242
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,643
−HK$1,421/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$57,967
+HK$2,903/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,786
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,490
−HK$1,731/mo
Today · 4.125%
HK$58,221
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,442/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,949
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,659/mo
Today · 4.125%
HK$64,242
baseline
▲ 0.50% · 4.625%
HK$67,628
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,484/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,439
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,630
−HK$2,226/mo
Today · 4.125%
HK$74,856
baseline
▲ 0.50% · 4.625%
HK$79,411
+HK$4,555/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,712/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,363
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,464
−HK$2,132/mo
Today · 4.125%
HK$82,596
baseline
▲ 0.50% · 4.625%
HK$86,950
+HK$4,354/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,192/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,558 · Scale 2, in force from 26 Feb 2026)