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$39,161
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,379
−HK$1,238/mo
Today · 4.125%
HK$41,617
baseline
▲ 0.50% · 4.625%
HK$44,149
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,234/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,566
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,734
−HK$1,186/mo
Today · 4.125%
HK$45,920
baseline
▲ 0.50% · 4.625%
HK$48,340
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,840/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,993
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,455
−HK$1,485/mo
Today · 4.125%
HK$49,940
baseline
▲ 0.50% · 4.625%
HK$52,979
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,880/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,279
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,681
−HK$1,423/mo
Today · 4.125%
HK$55,104
baseline
▲ 0.50% · 4.625%
HK$58,008
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,208/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,825
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,732/mo
Today · 4.125%
HK$58,263
baseline
▲ 0.50% · 4.625%
HK$61,808
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,526/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,993
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,628
−HK$1,660/mo
Today · 4.125%
HK$64,288
baseline
▲ 0.50% · 4.625%
HK$67,676
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,576/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,490
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,682
−HK$2,228/mo
Today · 4.125%
HK$74,910
baseline
▲ 0.50% · 4.625%
HK$79,468
+HK$4,558/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,820/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,419
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,522
−HK$2,134/mo
Today · 4.125%
HK$82,656
baseline
▲ 0.50% · 4.625%
HK$87,013
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,312/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,021 · Scale 2, in force from 26 Feb 2026)