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$39,296
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,519
−HK$1,242/mo
Today · 4.125%
HK$41,761
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,522/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,717
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,889
−HK$1,190/mo
Today · 4.125%
HK$46,079
baseline
▲ 0.50% · 4.625%
HK$48,507
+HK$2,428/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,158/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,156
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,622
−HK$1,491/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$53,162
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,460
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,867
−HK$1,427/mo
Today · 4.125%
HK$55,294
baseline
▲ 0.50% · 4.625%
HK$58,209
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,588/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,739/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$62,022
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,203
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,845
−HK$1,665/mo
Today · 4.125%
HK$64,510
baseline
▲ 0.50% · 4.625%
HK$67,910
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,020/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,733
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,934
−HK$2,235/mo
Today · 4.125%
HK$75,169
baseline
▲ 0.50% · 4.625%
HK$79,743
+HK$4,574/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,338/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,690
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,801
−HK$2,141/mo
Today · 4.125%
HK$82,942
baseline
▲ 0.50% · 4.625%
HK$87,313
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,884/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,248 · Scale 2, in force from 26 Feb 2026)