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$39,118
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,334
−HK$1,237/mo
Today · 4.125%
HK$41,571
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,529/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,142/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,184/mo
Today · 4.125%
HK$45,869
baseline
▲ 0.50% · 4.625%
HK$48,287
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,738/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,941
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,401
−HK$1,484/mo
Today · 4.125%
HK$49,885
baseline
▲ 0.50% · 4.625%
HK$52,920
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,770/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,222
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,622
−HK$1,421/mo
Today · 4.125%
HK$55,043
baseline
▲ 0.50% · 4.625%
HK$57,944
+HK$2,901/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,086/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,765
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,468
−HK$1,731/mo
Today · 4.125%
HK$58,199
baseline
▲ 0.50% · 4.625%
HK$61,740
+HK$3,541/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,398/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,925
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,559
−HK$1,658/mo
Today · 4.125%
HK$64,217
baseline
▲ 0.50% · 4.625%
HK$67,602
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,434/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$2,225/mo
Today · 4.125%
HK$74,827
baseline
▲ 0.50% · 4.625%
HK$79,380
+HK$4,553/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,654/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,332
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,433
−HK$2,132/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$86,917
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,311 · Scale 2, in force from 26 Feb 2026)