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$39,187
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,406
−HK$1,238/mo
Today · 4.125%
HK$41,644
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,288/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,595
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,764
−HK$1,186/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,372
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,024
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,487
−HK$1,486/mo
Today · 4.125%
HK$49,973
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,946/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,314
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,717
−HK$1,423/mo
Today · 4.125%
HK$55,140
baseline
▲ 0.50% · 4.625%
HK$58,046
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,280/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,861
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,568
−HK$1,733/mo
Today · 4.125%
HK$58,301
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,602/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,033
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,661/mo
Today · 4.125%
HK$64,330
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,660/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,536
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,730
−HK$2,229/mo
Today · 4.125%
HK$74,959
baseline
▲ 0.50% · 4.625%
HK$79,520
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,918/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,470
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,575
−HK$2,135/mo
Today · 4.125%
HK$82,710
baseline
▲ 0.50% · 4.625%
HK$87,070
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,420/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,444 · Scale 2, in force from 26 Feb 2026)