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$39,164
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,382
−HK$1,238/mo
Today · 4.125%
HK$41,620
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,240/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,570
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,186/mo
Today · 4.125%
HK$45,924
baseline
▲ 0.50% · 4.625%
HK$48,344
+HK$2,420/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,848/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,997
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,459
−HK$1,485/mo
Today · 4.125%
HK$49,944
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,888/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,284
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,686
−HK$1,423/mo
Today · 4.125%
HK$55,109
baseline
▲ 0.50% · 4.625%
HK$58,013
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,218/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,830
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,733/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,814
+HK$3,546/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,998
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,634
−HK$1,659/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,496
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$2,228/mo
Today · 4.125%
HK$74,916
baseline
▲ 0.50% · 4.625%
HK$79,475
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,832/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,426
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,529
−HK$2,134/mo
Today · 4.125%
HK$82,663
baseline
▲ 0.50% · 4.625%
HK$87,020
+HK$4,357/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,326/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,077 · Scale 2, in force from 26 Feb 2026)