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$39,140
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,358
−HK$1,237/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$44,126
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,543
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,185/mo
Today · 4.125%
HK$45,896
baseline
▲ 0.50% · 4.625%
HK$48,315
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,792/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,968
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,429
−HK$1,485/mo
Today · 4.125%
HK$49,914
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,828/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,252
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,653
−HK$1,422/mo
Today · 4.125%
HK$55,075
baseline
▲ 0.50% · 4.625%
HK$57,978
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,150/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,796
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,501
−HK$1,732/mo
Today · 4.125%
HK$58,233
baseline
▲ 0.50% · 4.625%
HK$61,776
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,466/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,960
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,595
−HK$1,659/mo
Today · 4.125%
HK$64,254
baseline
▲ 0.50% · 4.625%
HK$67,641
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,508/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,452
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,644
−HK$2,226/mo
Today · 4.125%
HK$74,870
baseline
▲ 0.50% · 4.625%
HK$79,426
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,740/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,378
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,480
−HK$2,132/mo
Today · 4.125%
HK$82,612
baseline
▲ 0.50% · 4.625%
HK$86,967
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,224/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,682 · Scale 2, in force from 26 Feb 2026)