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$39,183
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,402
−HK$1,238/mo
Today · 4.125%
HK$41,640
baseline
▲ 0.50% · 4.625%
HK$44,174
+HK$2,534/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,280/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,591
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,760
−HK$1,186/mo
Today · 4.125%
HK$45,946
baseline
▲ 0.50% · 4.625%
HK$48,368
+HK$2,422/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,892/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,020
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,482
−HK$1,486/mo
Today · 4.125%
HK$49,968
baseline
▲ 0.50% · 4.625%
HK$53,009
+HK$3,041/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,936/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,309
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,712
−HK$1,423/mo
Today · 4.125%
HK$55,135
baseline
▲ 0.50% · 4.625%
HK$58,041
+HK$2,906/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,270/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,856
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,563
−HK$1,733/mo
Today · 4.125%
HK$58,296
baseline
▲ 0.50% · 4.625%
HK$61,843
+HK$3,547/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$116,592/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,027
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,664
−HK$1,660/mo
Today · 4.125%
HK$64,324
baseline
▲ 0.50% · 4.625%
HK$67,715
+HK$3,391/mo
Deposit HK$5.16M · loan HK$12.03M · min. income ≈ HK$128,648/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,723
−HK$2,229/mo
Today · 4.125%
HK$74,952
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$4,561/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$149,904/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,463
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,135/mo
Today · 4.125%
HK$82,703
baseline
▲ 0.50% · 4.625%
HK$87,062
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.47M · min. income ≈ HK$165,406/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,387 · Scale 2, in force from 26 Feb 2026)