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$39,289
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,512
−HK$1,241/mo
Today · 4.125%
HK$41,753
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,506/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,709
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,190/mo
Today · 4.125%
HK$46,071
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,428/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,142/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,147
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,614
−HK$1,490/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,451
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,858
−HK$1,427/mo
Today · 4.125%
HK$55,285
baseline
▲ 0.50% · 4.625%
HK$58,199
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,570/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,005
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,716
−HK$1,738/mo
Today · 4.125%
HK$58,454
baseline
▲ 0.50% · 4.625%
HK$62,011
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,908/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,193
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,834
−HK$1,665/mo
Today · 4.125%
HK$64,499
baseline
▲ 0.50% · 4.625%
HK$67,899
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,998/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,721
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,921
−HK$2,235/mo
Today · 4.125%
HK$75,156
baseline
▲ 0.50% · 4.625%
HK$79,729
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,312/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,676
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,786
−HK$2,141/mo
Today · 4.125%
HK$82,927
baseline
▲ 0.50% · 4.625%
HK$87,298
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,854/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,135 · Scale 2, in force from 26 Feb 2026)