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$39,109
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,236/mo
Today · 4.125%
HK$41,561
baseline
▲ 0.50% · 4.625%
HK$44,090
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,122/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,508
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,675
−HK$1,183/mo
Today · 4.125%
HK$45,858
baseline
▲ 0.50% · 4.625%
HK$48,276
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,716/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,930
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,390
−HK$1,483/mo
Today · 4.125%
HK$49,873
baseline
▲ 0.50% · 4.625%
HK$52,908
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,746/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,209
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,610
−HK$1,420/mo
Today · 4.125%
HK$55,030
baseline
▲ 0.50% · 4.625%
HK$57,931
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,060/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,752
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,455
−HK$1,730/mo
Today · 4.125%
HK$58,185
baseline
▲ 0.50% · 4.625%
HK$61,726
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,370/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,911
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,545
−HK$1,657/mo
Today · 4.125%
HK$64,202
baseline
▲ 0.50% · 4.625%
HK$67,586
+HK$3,384/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,404/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,395
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,585
−HK$2,225/mo
Today · 4.125%
HK$74,810
baseline
▲ 0.50% · 4.625%
HK$79,362
+HK$4,552/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,620/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,314
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,415
−HK$2,130/mo
Today · 4.125%
HK$82,545
baseline
▲ 0.50% · 4.625%
HK$86,896
+HK$4,351/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,090/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,161 · Scale 2, in force from 26 Feb 2026)