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$39,178
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,397
−HK$1,238/mo
Today · 4.125%
HK$41,635
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,270/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,754
−HK$1,186/mo
Today · 4.125%
HK$45,940
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,880/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,014
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,476
−HK$1,486/mo
Today · 4.125%
HK$49,962
baseline
▲ 0.50% · 4.625%
HK$53,002
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,924/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,302
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,705
−HK$1,423/mo
Today · 4.125%
HK$55,128
baseline
▲ 0.50% · 4.625%
HK$58,034
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,256/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,849
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,556
−HK$1,733/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,836
+HK$3,547/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,660/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,521
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,714
−HK$2,229/mo
Today · 4.125%
HK$74,943
baseline
▲ 0.50% · 4.625%
HK$79,503
+HK$4,560/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,886/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,454
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,558
−HK$2,134/mo
Today · 4.125%
HK$82,692
baseline
▲ 0.50% · 4.625%
HK$87,051
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,384/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,305 · Scale 2, in force from 26 Feb 2026)