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$39,167
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,386
−HK$1,238/mo
Today · 4.125%
HK$41,624
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,248/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,742
−HK$1,186/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,001
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,463
−HK$1,485/mo
Today · 4.125%
HK$49,948
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,896/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,288
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,690
−HK$1,423/mo
Today · 4.125%
HK$55,113
baseline
▲ 0.50% · 4.625%
HK$58,018
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,226/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,834
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,540
−HK$1,733/mo
Today · 4.125%
HK$58,273
baseline
▲ 0.50% · 4.625%
HK$61,819
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,546/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,003
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,639
−HK$1,660/mo
Today · 4.125%
HK$64,299
baseline
▲ 0.50% · 4.625%
HK$67,688
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,598/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,501
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,694
−HK$2,228/mo
Today · 4.125%
HK$74,922
baseline
▲ 0.50% · 4.625%
HK$79,481
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,844/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,432
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,536
−HK$2,134/mo
Today · 4.125%
HK$82,670
baseline
▲ 0.50% · 4.625%
HK$87,027
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,340/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,129 · Scale 2, in force from 26 Feb 2026)