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$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,238/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,152
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,569
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,185/mo
Today · 4.125%
HK$45,923
baseline
▲ 0.50% · 4.625%
HK$48,344
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,846/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,997
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,458
−HK$1,486/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,283
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,685
−HK$1,423/mo
Today · 4.125%
HK$55,108
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,216/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,829
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,733/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,813
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,997
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,633
−HK$1,659/mo
Today · 4.125%
HK$64,292
baseline
▲ 0.50% · 4.625%
HK$67,681
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,584/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,495
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$2,227/mo
Today · 4.125%
HK$74,915
baseline
▲ 0.50% · 4.625%
HK$79,474
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,830/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,425
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,528
−HK$2,134/mo
Today · 4.125%
HK$82,662
baseline
▲ 0.50% · 4.625%
HK$87,019
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,324/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,069 · Scale 2, in force from 26 Feb 2026)