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$39,187
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$40,406
−HK$1,239/mo
Today · 4.125%
HK$41,645
baseline
▲ 0.50% · 4.625%
HK$44,179
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,290/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,596
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,765
−HK$1,186/mo
Today · 4.125%
HK$45,951
baseline
▲ 0.50% · 4.625%
HK$48,373
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,902/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,025
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,488
−HK$1,486/mo
Today · 4.125%
HK$49,974
baseline
▲ 0.50% · 4.625%
HK$53,015
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,948/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,315
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,718
−HK$1,423/mo
Today · 4.125%
HK$55,141
baseline
▲ 0.50% · 4.625%
HK$58,048
+HK$2,907/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,282/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,569
−HK$1,734/mo
Today · 4.125%
HK$58,303
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,547/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,606/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,034
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,671
−HK$1,660/mo
Today · 4.125%
HK$64,331
baseline
▲ 0.50% · 4.625%
HK$67,722
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,662/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,537
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,731
−HK$2,230/mo
Today · 4.125%
HK$74,961
baseline
▲ 0.50% · 4.625%
HK$79,522
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,922/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,472
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,135/mo
Today · 4.125%
HK$82,712
baseline
▲ 0.50% · 4.625%
HK$87,071
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,424/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,457 · Scale 2, in force from 26 Feb 2026)