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$39,150
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,367
−HK$1,238/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,185/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,326
+HK$2,419/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,441
−HK$1,485/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,264
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,666
−HK$1,422/mo
Today · 4.125%
HK$55,088
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,176/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,809
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,514
−HK$1,732/mo
Today · 4.125%
HK$58,246
baseline
▲ 0.50% · 4.625%
HK$61,791
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,492/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,975
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,610
−HK$1,659/mo
Today · 4.125%
HK$64,269
baseline
▲ 0.50% · 4.625%
HK$67,657
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,538/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,469
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,661
−HK$2,227/mo
Today · 4.125%
HK$74,888
baseline
▲ 0.50% · 4.625%
HK$79,445
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,776/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,396
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,499
−HK$2,133/mo
Today · 4.125%
HK$82,632
baseline
▲ 0.50% · 4.625%
HK$86,987
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,264/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,836 · Scale 2, in force from 26 Feb 2026)