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$39,266
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,487
−HK$1,241/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,854
−HK$1,189/mo
Today · 4.125%
HK$46,043
baseline
▲ 0.50% · 4.625%
HK$48,470
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,086/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,119
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,490/mo
Today · 4.125%
HK$50,074
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,148/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,419
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,825
−HK$1,426/mo
Today · 4.125%
HK$55,251
baseline
▲ 0.50% · 4.625%
HK$58,164
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,502/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,972
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,682
−HK$1,737/mo
Today · 4.125%
HK$58,419
baseline
▲ 0.50% · 4.625%
HK$61,974
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,838/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,156
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,796
−HK$1,664/mo
Today · 4.125%
HK$64,460
baseline
▲ 0.50% · 4.625%
HK$67,858
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,920/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,678
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,877
−HK$2,233/mo
Today · 4.125%
HK$75,110
baseline
▲ 0.50% · 4.625%
HK$79,681
+HK$4,571/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,220/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,629
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,738
−HK$2,139/mo
Today · 4.125%
HK$82,877
baseline
▲ 0.50% · 4.625%
HK$87,245
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,754/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,745 · Scale 2, in force from 26 Feb 2026)