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$39,110
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,236/mo
Today · 4.125%
HK$41,562
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,124/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,184/mo
Today · 4.125%
HK$45,860
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,417/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,720/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,932
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,392
−HK$1,483/mo
Today · 4.125%
HK$49,875
baseline
▲ 0.50% · 4.625%
HK$52,910
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,750/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,211
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,611
−HK$1,421/mo
Today · 4.125%
HK$55,032
baseline
▲ 0.50% · 4.625%
HK$57,933
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,064/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,754
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,457
−HK$1,730/mo
Today · 4.125%
HK$58,187
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,374/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,913
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,547
−HK$1,657/mo
Today · 4.125%
HK$64,204
baseline
▲ 0.50% · 4.625%
HK$67,588
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,408/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,398
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$2,225/mo
Today · 4.125%
HK$74,812
baseline
▲ 0.50% · 4.625%
HK$79,364
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,624/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,317
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,417
−HK$2,131/mo
Today · 4.125%
HK$82,548
baseline
▲ 0.50% · 4.625%
HK$86,899
+HK$4,351/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,096/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,181 · Scale 2, in force from 26 Feb 2026)