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$39,291
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,513
−HK$1,242/mo
Today · 4.125%
HK$41,755
baseline
▲ 0.50% · 4.625%
HK$44,295
+HK$2,540/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,510/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,189/mo
Today · 4.125%
HK$46,072
baseline
▲ 0.50% · 4.625%
HK$48,501
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,144/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,149
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,616
−HK$1,490/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$53,155
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,453
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,860
−HK$1,427/mo
Today · 4.125%
HK$55,287
baseline
▲ 0.50% · 4.625%
HK$58,201
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,574/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,007
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,718
−HK$1,739/mo
Today · 4.125%
HK$58,457
baseline
▲ 0.50% · 4.625%
HK$62,014
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,914/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,836
−HK$1,665/mo
Today · 4.125%
HK$64,501
baseline
▲ 0.50% · 4.625%
HK$67,901
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,002/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,724
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,924
−HK$2,235/mo
Today · 4.125%
HK$75,159
baseline
▲ 0.50% · 4.625%
HK$79,732
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,318/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,679
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,789
−HK$2,141/mo
Today · 4.125%
HK$82,930
baseline
▲ 0.50% · 4.625%
HK$87,302
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,860/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,160 · Scale 2, in force from 26 Feb 2026)