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$39,193
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,412
−HK$1,239/mo
Today · 4.125%
HK$41,651
baseline
▲ 0.50% · 4.625%
HK$44,185
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,302/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,602
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,187/mo
Today · 4.125%
HK$45,958
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,916/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,032
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,495
−HK$1,486/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$53,022
+HK$3,041/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,322
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,726
−HK$1,423/mo
Today · 4.125%
HK$55,149
baseline
▲ 0.50% · 4.625%
HK$58,056
+HK$2,907/mo
Deposit HK$6.88M · loan HK$10.31M · min. income ≈ HK$110,298/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,871
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,734/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,043
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,661/mo
Today · 4.125%
HK$64,341
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,682/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,742
−HK$2,230/mo
Today · 4.125%
HK$74,972
baseline
▲ 0.50% · 4.625%
HK$79,534
+HK$4,562/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,944/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,484
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,135/mo
Today · 4.125%
HK$82,724
baseline
▲ 0.50% · 4.625%
HK$87,084
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,448/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,553 · Scale 2, in force from 26 Feb 2026)