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$39,114
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,236/mo
Today · 4.125%
HK$41,567
baseline
▲ 0.50% · 4.625%
HK$44,096
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,134/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,184/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,283
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,937
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,397
−HK$1,483/mo
Today · 4.125%
HK$49,880
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,760/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,217
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,617
−HK$1,421/mo
Today · 4.125%
HK$55,038
baseline
▲ 0.50% · 4.625%
HK$57,939
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,076/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,760
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,463
−HK$1,731/mo
Today · 4.125%
HK$58,194
baseline
▲ 0.50% · 4.625%
HK$61,735
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,388/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,920
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,554
−HK$1,657/mo
Today · 4.125%
HK$64,211
baseline
▲ 0.50% · 4.625%
HK$67,596
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,422/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,405
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,595
−HK$2,226/mo
Today · 4.125%
HK$74,821
baseline
▲ 0.50% · 4.625%
HK$79,373
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,642/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,325
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,426
−HK$2,131/mo
Today · 4.125%
HK$82,557
baseline
▲ 0.50% · 4.625%
HK$86,909
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,114/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,253 · Scale 2, in force from 26 Feb 2026)