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$39,130
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,347
−HK$1,236/mo
Today · 4.125%
HK$41,583
baseline
▲ 0.50% · 4.625%
HK$44,114
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,166/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,699
−HK$1,184/mo
Today · 4.125%
HK$45,883
baseline
▲ 0.50% · 4.625%
HK$48,302
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,766/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,956
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,416
−HK$1,484/mo
Today · 4.125%
HK$49,900
baseline
▲ 0.50% · 4.625%
HK$52,936
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,800/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,238
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,639
−HK$1,421/mo
Today · 4.125%
HK$55,060
baseline
▲ 0.50% · 4.625%
HK$57,962
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,120/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,781
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,485
−HK$1,732/mo
Today · 4.125%
HK$58,217
baseline
▲ 0.50% · 4.625%
HK$61,759
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,434/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,944
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,578
−HK$1,658/mo
Today · 4.125%
HK$64,236
baseline
▲ 0.50% · 4.625%
HK$67,622
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,472/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,433
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,624
−HK$2,226/mo
Today · 4.125%
HK$74,850
baseline
▲ 0.50% · 4.625%
HK$79,404
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,700/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,356
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,458
−HK$2,132/mo
Today · 4.125%
HK$82,590
baseline
▲ 0.50% · 4.625%
HK$86,943
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,180/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,507 · Scale 2, in force from 26 Feb 2026)