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$39,248
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,469
−HK$1,240/mo
Today · 4.125%
HK$41,709
baseline
▲ 0.50% · 4.625%
HK$44,247
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,418/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,663
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,834
−HK$1,188/mo
Today · 4.125%
HK$46,022
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,044/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,098
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,563
−HK$1,488/mo
Today · 4.125%
HK$50,051
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$3,046/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,102/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,396
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,801
−HK$1,425/mo
Today · 4.125%
HK$55,226
baseline
▲ 0.50% · 4.625%
HK$58,138
+HK$2,912/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,452/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,947
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,656
−HK$1,737/mo
Today · 4.125%
HK$58,393
baseline
▲ 0.50% · 4.625%
HK$61,946
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,786/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,128
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,768
−HK$1,663/mo
Today · 4.125%
HK$64,431
baseline
▲ 0.50% · 4.625%
HK$67,827
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,862/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,647
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,844
−HK$2,233/mo
Today · 4.125%
HK$75,077
baseline
▲ 0.50% · 4.625%
HK$79,645
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,154/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,594
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,701
−HK$2,139/mo
Today · 4.125%
HK$82,840
baseline
▲ 0.50% · 4.625%
HK$87,206
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,680/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,455 · Scale 2, in force from 26 Feb 2026)