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$39,151
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,369
−HK$1,238/mo
Today · 4.125%
HK$41,607
baseline
▲ 0.50% · 4.625%
HK$44,138
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,214/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,556
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,724
−HK$1,185/mo
Today · 4.125%
HK$45,909
baseline
▲ 0.50% · 4.625%
HK$48,329
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,818/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,982
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,443
−HK$1,485/mo
Today · 4.125%
HK$49,928
baseline
▲ 0.50% · 4.625%
HK$52,966
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,856/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,267
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,668
−HK$1,422/mo
Today · 4.125%
HK$55,090
baseline
▲ 0.50% · 4.625%
HK$57,994
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,180/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,812
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,517
−HK$1,732/mo
Today · 4.125%
HK$58,249
baseline
▲ 0.50% · 4.625%
HK$61,793
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,498/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,978
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,613
−HK$1,659/mo
Today · 4.125%
HK$64,272
baseline
▲ 0.50% · 4.625%
HK$67,660
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,544/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,473
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,665
−HK$2,227/mo
Today · 4.125%
HK$74,892
baseline
▲ 0.50% · 4.625%
HK$79,449
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,784/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,400
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,503
−HK$2,133/mo
Today · 4.125%
HK$82,636
baseline
▲ 0.50% · 4.625%
HK$86,992
+HK$4,356/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,272/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,866 · Scale 2, in force from 26 Feb 2026)