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$39,117
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,236/mo
Today · 4.125%
HK$41,570
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,140/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,517
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,184/mo
Today · 4.125%
HK$45,868
baseline
▲ 0.50% · 4.625%
HK$48,286
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,736/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,940
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,400
−HK$1,484/mo
Today · 4.125%
HK$49,884
baseline
▲ 0.50% · 4.625%
HK$52,919
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,768/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,221
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,621
−HK$1,421/mo
Today · 4.125%
HK$55,042
baseline
▲ 0.50% · 4.625%
HK$57,943
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,084/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,764
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,731/mo
Today · 4.125%
HK$58,198
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,396/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,924
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,558
−HK$1,658/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$67,601
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,411
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,601
−HK$2,225/mo
Today · 4.125%
HK$74,826
baseline
▲ 0.50% · 4.625%
HK$79,379
+HK$4,553/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,652/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,331
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,432
−HK$2,131/mo
Today · 4.125%
HK$82,563
baseline
▲ 0.50% · 4.625%
HK$86,915
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,126/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,299 · Scale 2, in force from 26 Feb 2026)