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$39,141
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$40,359
−HK$1,236/mo
Today · 4.125%
HK$41,595
baseline
▲ 0.50% · 4.625%
HK$44,126
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,190/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,185/mo
Today · 4.125%
HK$45,897
baseline
▲ 0.50% · 4.625%
HK$48,316
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,794/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,969
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,430
−HK$1,485/mo
Today · 4.125%
HK$49,915
baseline
▲ 0.50% · 4.625%
HK$52,952
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,830/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,253
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,654
−HK$1,422/mo
Today · 4.125%
HK$55,076
baseline
▲ 0.50% · 4.625%
HK$57,979
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,152/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,797
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,732/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,777
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,962
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,597
−HK$1,658/mo
Today · 4.125%
HK$64,255
baseline
▲ 0.50% · 4.625%
HK$67,642
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,510/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,454
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,645
−HK$2,227/mo
Today · 4.125%
HK$74,872
baseline
▲ 0.50% · 4.625%
HK$79,428
+HK$4,556/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,744/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,379
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,481
−HK$2,133/mo
Today · 4.125%
HK$82,614
baseline
▲ 0.50% · 4.625%
HK$86,968
+HK$4,354/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,228/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,695 · Scale 2, in force from 26 Feb 2026)