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$39,128
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,345
−HK$1,237/mo
Today · 4.125%
HK$41,582
baseline
▲ 0.50% · 4.625%
HK$44,112
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,164/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,697
−HK$1,184/mo
Today · 4.125%
HK$45,881
baseline
▲ 0.50% · 4.625%
HK$48,300
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,762/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,954
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,414
−HK$1,484/mo
Today · 4.125%
HK$49,898
baseline
▲ 0.50% · 4.625%
HK$52,934
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$99,796/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,235
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,636
−HK$1,421/mo
Today · 4.125%
HK$55,057
baseline
▲ 0.50% · 4.625%
HK$57,960
+HK$2,903/mo
Deposit HK$6.86M · loan HK$10.30M · min. income ≈ HK$110,114/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,779
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,483
−HK$1,731/mo
Today · 4.125%
HK$58,214
baseline
▲ 0.50% · 4.625%
HK$61,757
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,428/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,941
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,658/mo
Today · 4.125%
HK$64,234
baseline
▲ 0.50% · 4.625%
HK$67,620
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,468/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,430
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,621
−HK$2,226/mo
Today · 4.125%
HK$74,847
baseline
▲ 0.50% · 4.625%
HK$79,401
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,694/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,353
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,454
−HK$2,132/mo
Today · 4.125%
HK$82,586
baseline
▲ 0.50% · 4.625%
HK$86,939
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,172/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,480 · Scale 2, in force from 26 Feb 2026)