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$2,456/mo
▼ 0.25% · 3.875%
HK$40,396
−HK$1,238/mo
Today · 4.125%
HK$41,634
baseline
▲ 0.50% · 4.625%
HK$44,168
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,268/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,585
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,754
−HK$1,185/mo
Today · 4.125%
HK$45,939
baseline
▲ 0.50% · 4.625%
HK$48,361
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,878/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,013
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,475
−HK$1,486/mo
Today · 4.125%
HK$49,961
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,922/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,302
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$53,704
−HK$1,423/mo
Today · 4.125%
HK$55,127
baseline
▲ 0.50% · 4.625%
HK$58,033
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,254/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,849
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,733/mo
Today · 4.125%
HK$58,288
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,547/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,576/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,655
−HK$1,660/mo
Today · 4.125%
HK$64,315
baseline
▲ 0.50% · 4.625%
HK$67,705
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,630/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,520
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,713
−HK$2,229/mo
Today · 4.125%
HK$74,942
baseline
▲ 0.50% · 4.625%
HK$79,502
+HK$4,560/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,884/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,452
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,556
−HK$2,135/mo
Today · 4.125%
HK$82,691
baseline
▲ 0.50% · 4.625%
HK$87,050
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,382/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,296 · Scale 2, in force from 26 Feb 2026)