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$39,131
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,348
−HK$1,237/mo
Today · 4.125%
HK$41,585
baseline
▲ 0.50% · 4.625%
HK$44,115
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,170/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,184/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,303
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,957
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,418
−HK$1,483/mo
Today · 4.125%
HK$49,901
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$3,037/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,802/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,239
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,640
−HK$1,421/mo
Today · 4.125%
HK$55,061
baseline
▲ 0.50% · 4.625%
HK$57,964
+HK$2,903/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,122/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,783
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,487
−HK$1,731/mo
Today · 4.125%
HK$58,218
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,436/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,946
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,658/mo
Today · 4.125%
HK$64,238
baseline
▲ 0.50% · 4.625%
HK$67,624
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,476/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,435
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,626
−HK$2,226/mo
Today · 4.125%
HK$74,852
baseline
▲ 0.50% · 4.625%
HK$79,407
+HK$4,555/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,704/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,359
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,460
−HK$2,132/mo
Today · 4.125%
HK$82,592
baseline
▲ 0.50% · 4.625%
HK$86,946
+HK$4,354/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,184/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,526 · Scale 2, in force from 26 Feb 2026)