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$39,132
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,350
−HK$1,236/mo
Today · 4.125%
HK$41,586
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,172/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,534
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,702
−HK$1,184/mo
Today · 4.125%
HK$45,886
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,772/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,959
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,420
−HK$1,484/mo
Today · 4.125%
HK$49,904
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,808/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,241
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,642
−HK$1,422/mo
Today · 4.125%
HK$55,064
baseline
▲ 0.50% · 4.625%
HK$57,966
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,128/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,785
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,489
−HK$1,732/mo
Today · 4.125%
HK$58,221
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,442/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,948
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,658/mo
Today · 4.125%
HK$64,241
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,482/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,438
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,629
−HK$2,226/mo
Today · 4.125%
HK$74,855
baseline
▲ 0.50% · 4.625%
HK$79,410
+HK$4,555/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,710/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,362
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,463
−HK$2,133/mo
Today · 4.125%
HK$82,596
baseline
▲ 0.50% · 4.625%
HK$86,949
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,192/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,553 · Scale 2, in force from 26 Feb 2026)