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$39,163
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,381
−HK$1,237/mo
Today · 4.125%
HK$41,618
baseline
▲ 0.50% · 4.625%
HK$44,151
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,236/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,568
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,737
−HK$1,185/mo
Today · 4.125%
HK$45,922
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,844/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,995
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,457
−HK$1,485/mo
Today · 4.125%
HK$49,942
baseline
▲ 0.50% · 4.625%
HK$52,981
+HK$3,039/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,884/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,282
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,684
−HK$1,422/mo
Today · 4.125%
HK$55,106
baseline
▲ 0.50% · 4.625%
HK$58,011
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,212/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,828
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,533
−HK$1,733/mo
Today · 4.125%
HK$58,266
baseline
▲ 0.50% · 4.625%
HK$61,811
+HK$3,545/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,532/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,995
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,631
−HK$1,660/mo
Today · 4.125%
HK$64,291
baseline
▲ 0.50% · 4.625%
HK$67,680
+HK$3,389/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,582/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,493
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,686
−HK$2,227/mo
Today · 4.125%
HK$74,913
baseline
▲ 0.50% · 4.625%
HK$79,472
+HK$4,559/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,826/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,423
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,526
−HK$2,133/mo
Today · 4.125%
HK$82,659
baseline
▲ 0.50% · 4.625%
HK$87,017
+HK$4,358/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,318/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,051 · Scale 2, in force from 26 Feb 2026)