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$39,176
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$40,395
−HK$1,238/mo
Today · 4.125%
HK$41,633
baseline
▲ 0.50% · 4.625%
HK$44,166
+HK$2,533/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$83,266/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,583
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$44,752
−HK$1,186/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,359
+HK$2,421/mo
Deposit HK$8.59M · loan HK$8.59M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,012
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$48,474
−HK$1,486/mo
Today · 4.125%
HK$49,960
baseline
▲ 0.50% · 4.625%
HK$53,000
+HK$3,040/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$99,920/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,300
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$53,703
−HK$1,423/mo
Today · 4.125%
HK$55,126
baseline
▲ 0.50% · 4.625%
HK$58,031
+HK$2,905/mo
Deposit HK$6.87M · loan HK$10.31M · min. income ≈ HK$110,252/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,847
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,553
−HK$1,733/mo
Today · 4.125%
HK$58,286
baseline
▲ 0.50% · 4.625%
HK$61,833
+HK$3,547/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$116,572/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,660/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$67,703
+HK$3,390/mo
Deposit HK$5.15M · loan HK$12.03M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,517
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,711
−HK$2,228/mo
Today · 4.125%
HK$74,939
baseline
▲ 0.50% · 4.625%
HK$79,499
+HK$4,560/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$149,878/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,450
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,554
−HK$2,134/mo
Today · 4.125%
HK$82,688
baseline
▲ 0.50% · 4.625%
HK$87,047
+HK$4,359/mo
Deposit HK$1.72M · loan HK$15.46M · min. income ≈ HK$165,376/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$644,275 · Scale 2, in force from 26 Feb 2026)