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$39,148
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,366
−HK$1,237/mo
Today · 4.125%
HK$41,603
baseline
▲ 0.50% · 4.625%
HK$44,135
+HK$2,532/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,206/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,552
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,720
−HK$1,185/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,325
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,978
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,439
−HK$1,485/mo
Today · 4.125%
HK$49,924
baseline
▲ 0.50% · 4.625%
HK$52,962
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,848/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,263
−HK$2,823/mo
▼ 0.25% · 3.875%
HK$53,664
−HK$1,422/mo
Today · 4.125%
HK$55,086
baseline
▲ 0.50% · 4.625%
HK$57,990
+HK$2,904/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,172/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,808
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,513
−HK$1,732/mo
Today · 4.125%
HK$58,245
baseline
▲ 0.50% · 4.625%
HK$61,789
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,490/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,973
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,608
−HK$1,659/mo
Today · 4.125%
HK$64,267
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,534/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,467
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,659
−HK$2,227/mo
Today · 4.125%
HK$74,886
baseline
▲ 0.50% · 4.625%
HK$79,443
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,772/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,394
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,496
−HK$2,133/mo
Today · 4.125%
HK$82,629
baseline
▲ 0.50% · 4.625%
HK$86,985
+HK$4,356/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,258/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,816 · Scale 2, in force from 26 Feb 2026)