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$39,124
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,341
−HK$1,236/mo
Today · 4.125%
HK$41,577
baseline
▲ 0.50% · 4.625%
HK$44,107
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,154/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,692
−HK$1,184/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,295
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,949
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,409
−HK$1,484/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,929
+HK$3,036/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,230
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,631
−HK$1,421/mo
Today · 4.125%
HK$55,052
baseline
▲ 0.50% · 4.625%
HK$57,954
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,104/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,773
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$56,477
−HK$1,731/mo
Today · 4.125%
HK$58,208
baseline
▲ 0.50% · 4.625%
HK$61,750
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,416/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,935
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$62,569
−HK$1,658/mo
Today · 4.125%
HK$64,227
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,385/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,454/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,423
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$2,226/mo
Today · 4.125%
HK$74,839
baseline
▲ 0.50% · 4.625%
HK$79,393
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,678/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,446
−HK$2,131/mo
Today · 4.125%
HK$82,577
baseline
▲ 0.50% · 4.625%
HK$86,930
+HK$4,353/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,154/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,412 · Scale 2, in force from 26 Feb 2026)