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$39,112
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,328
−HK$1,237/mo
Today · 4.125%
HK$41,565
baseline
▲ 0.50% · 4.625%
HK$44,094
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,130/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,512
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,679
−HK$1,183/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,280
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,934
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,394
−HK$1,483/mo
Today · 4.125%
HK$49,877
baseline
▲ 0.50% · 4.625%
HK$52,912
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,754/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,214
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,421/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$57,936
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,757
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$56,460
−HK$1,730/mo
Today · 4.125%
HK$58,190
baseline
▲ 0.50% · 4.625%
HK$61,731
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,380/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,916
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,550
−HK$1,657/mo
Today · 4.125%
HK$64,207
baseline
▲ 0.50% · 4.625%
HK$67,592
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,414/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,401
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,591
−HK$2,225/mo
Today · 4.125%
HK$74,816
baseline
▲ 0.50% · 4.625%
HK$79,369
+HK$4,553/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,632/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,321
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,421
−HK$2,131/mo
Today · 4.125%
HK$82,552
baseline
▲ 0.50% · 4.625%
HK$86,904
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,104/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,216 · Scale 2, in force from 26 Feb 2026)