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$39,119
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,336
−HK$1,236/mo
Today · 4.125%
HK$41,572
baseline
▲ 0.50% · 4.625%
HK$44,102
+HK$2,530/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,144/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,184/mo
Today · 4.125%
HK$45,871
baseline
▲ 0.50% · 4.625%
HK$48,289
+HK$2,418/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,742/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,943
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$48,403
−HK$1,484/mo
Today · 4.125%
HK$49,887
baseline
▲ 0.50% · 4.625%
HK$52,922
+HK$3,035/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$99,774/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,224
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,624
−HK$1,421/mo
Today · 4.125%
HK$55,045
baseline
▲ 0.50% · 4.625%
HK$57,947
+HK$2,902/mo
Deposit HK$6.86M · loan HK$10.29M · min. income ≈ HK$110,090/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,767
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$56,471
−HK$1,730/mo
Today · 4.125%
HK$58,201
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,542/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$116,402/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,928
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,657/mo
Today · 4.125%
HK$64,219
baseline
▲ 0.50% · 4.625%
HK$67,605
+HK$3,386/mo
Deposit HK$5.15M · loan HK$12.01M · min. income ≈ HK$128,438/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,415
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,605
−HK$2,225/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$79,384
+HK$4,554/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,336
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,437
−HK$2,131/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$86,920
+HK$4,352/mo
Deposit HK$1.72M · loan HK$15.44M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,337 · Scale 2, in force from 26 Feb 2026)