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$39,150
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,368
−HK$1,237/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,532/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,353/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,185/mo
Today · 4.125%
HK$45,907
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,814/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,980
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,441
−HK$1,485/mo
Today · 4.125%
HK$49,926
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$3,038/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,852/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,265
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,667
−HK$1,422/mo
Today · 4.125%
HK$55,089
baseline
▲ 0.50% · 4.625%
HK$57,992
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,178/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,810
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,732/mo
Today · 4.125%
HK$58,247
baseline
▲ 0.50% · 4.625%
HK$61,791
+HK$3,544/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,494/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,976
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,611
−HK$1,659/mo
Today · 4.125%
HK$64,270
baseline
▲ 0.50% · 4.625%
HK$67,658
+HK$3,388/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,540/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,470
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,662
−HK$2,227/mo
Today · 4.125%
HK$74,889
baseline
▲ 0.50% · 4.625%
HK$79,446
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,778/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,397
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,500
−HK$2,133/mo
Today · 4.125%
HK$82,633
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,266/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,843 · Scale 2, in force from 26 Feb 2026)