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$39,189
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,408
−HK$1,238/mo
Today · 4.125%
HK$41,646
baseline
▲ 0.50% · 4.625%
HK$44,180
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,292/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,597
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,766
−HK$1,186/mo
Today · 4.125%
HK$45,952
baseline
▲ 0.50% · 4.625%
HK$48,375
+HK$2,423/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,904/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,026
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,489
−HK$1,486/mo
Today · 4.125%
HK$49,975
baseline
▲ 0.50% · 4.625%
HK$53,016
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,950/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,316
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,720
−HK$1,423/mo
Today · 4.125%
HK$55,143
baseline
▲ 0.50% · 4.625%
HK$58,050
+HK$2,907/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,286/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,864
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,571
−HK$1,734/mo
Today · 4.125%
HK$58,305
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,547/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,610/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,036
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,673
−HK$1,660/mo
Today · 4.125%
HK$64,333
baseline
▲ 0.50% · 4.625%
HK$67,724
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,666/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,540
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,734
−HK$2,229/mo
Today · 4.125%
HK$74,963
baseline
▲ 0.50% · 4.625%
HK$79,524
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,926/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,475
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,579
−HK$2,135/mo
Today · 4.125%
HK$82,714
baseline
▲ 0.50% · 4.625%
HK$87,074
+HK$4,360/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,428/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,479 · Scale 2, in force from 26 Feb 2026)