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$39,169
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,387
−HK$1,238/mo
Today · 4.125%
HK$41,625
baseline
▲ 0.50% · 4.625%
HK$44,158
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,250/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,575
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,186/mo
Today · 4.125%
HK$45,929
baseline
▲ 0.50% · 4.625%
HK$48,350
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,858/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,002
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,464
−HK$1,486/mo
Today · 4.125%
HK$49,950
baseline
▲ 0.50% · 4.625%
HK$52,989
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,900/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,290
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,692
−HK$1,423/mo
Today · 4.125%
HK$55,115
baseline
▲ 0.50% · 4.625%
HK$58,020
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,230/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,836
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,733/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,659/mo
Today · 4.125%
HK$64,300
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,600/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,503
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,697
−HK$2,228/mo
Today · 4.125%
HK$74,925
baseline
▲ 0.50% · 4.625%
HK$79,484
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,850/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,434
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,538
−HK$2,134/mo
Today · 4.125%
HK$82,672
baseline
▲ 0.50% · 4.625%
HK$87,030
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,344/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,148 · Scale 2, in force from 26 Feb 2026)