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$39,155
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,373
−HK$1,237/mo
Today · 4.125%
HK$41,610
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,532/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,220/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,185/mo
Today · 4.125%
HK$45,912
baseline
▲ 0.50% · 4.625%
HK$48,333
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,824/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,985
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,447
−HK$1,485/mo
Today · 4.125%
HK$49,932
baseline
▲ 0.50% · 4.625%
HK$52,970
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,864/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,271
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,673
−HK$1,422/mo
Today · 4.125%
HK$55,095
baseline
▲ 0.50% · 4.625%
HK$57,999
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,190/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,522
−HK$1,732/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,983
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,659/mo
Today · 4.125%
HK$64,277
baseline
▲ 0.50% · 4.625%
HK$67,666
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,554/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,478
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,671
−HK$2,227/mo
Today · 4.125%
HK$74,898
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,796/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,406
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,133/mo
Today · 4.125%
HK$82,642
baseline
▲ 0.50% · 4.625%
HK$86,999
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,284/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,918 · Scale 2, in force from 26 Feb 2026)