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$39,154
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,372
−HK$1,237/mo
Today · 4.125%
HK$41,609
baseline
▲ 0.50% · 4.625%
HK$44,141
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,218/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,185/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,332
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,985
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,446
−HK$1,485/mo
Today · 4.125%
HK$49,931
baseline
▲ 0.50% · 4.625%
HK$52,970
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,862/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,270
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,672
−HK$1,422/mo
Today · 4.125%
HK$55,094
baseline
▲ 0.50% · 4.625%
HK$57,998
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,188/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,732/mo
Today · 4.125%
HK$58,253
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,506/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,982
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,659/mo
Today · 4.125%
HK$64,277
baseline
▲ 0.50% · 4.625%
HK$67,665
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,554/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,477
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$2,227/mo
Today · 4.125%
HK$74,897
baseline
▲ 0.50% · 4.625%
HK$79,454
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,794/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,405
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,508
−HK$2,133/mo
Today · 4.125%
HK$82,641
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,282/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,910 · Scale 2, in force from 26 Feb 2026)