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$39,186
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,405
−HK$1,238/mo
Today · 4.125%
HK$41,643
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,286/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,594
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,186/mo
Today · 4.125%
HK$45,949
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,898/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,023
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,486
−HK$1,486/mo
Today · 4.125%
HK$49,972
baseline
▲ 0.50% · 4.625%
HK$53,013
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,944/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,313
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,716
−HK$1,423/mo
Today · 4.125%
HK$55,139
baseline
▲ 0.50% · 4.625%
HK$58,045
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,278/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,860
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,733/mo
Today · 4.125%
HK$58,300
baseline
▲ 0.50% · 4.625%
HK$61,848
+HK$3,548/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,600/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,031
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,668
−HK$1,661/mo
Today · 4.125%
HK$64,329
baseline
▲ 0.50% · 4.625%
HK$67,720
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,658/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,535
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,729
−HK$2,229/mo
Today · 4.125%
HK$74,958
baseline
▲ 0.50% · 4.625%
HK$79,519
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,916/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,469
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,574
−HK$2,135/mo
Today · 4.125%
HK$82,709
baseline
▲ 0.50% · 4.625%
HK$87,068
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,418/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,433 · Scale 2, in force from 26 Feb 2026)