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$39,326
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,243/mo
Today · 4.125%
HK$41,792
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,584/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,750
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,923
−HK$1,190/mo
Today · 4.125%
HK$46,113
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,226/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,191
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,659
−HK$1,491/mo
Today · 4.125%
HK$50,150
baseline
▲ 0.50% · 4.625%
HK$53,202
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,300/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,500
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,908
−HK$1,428/mo
Today · 4.125%
HK$55,336
baseline
▲ 0.50% · 4.625%
HK$58,253
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,672/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,056
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,769
−HK$1,740/mo
Today · 4.125%
HK$58,509
baseline
▲ 0.50% · 4.625%
HK$62,069
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,018/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,250
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,892
−HK$1,667/mo
Today · 4.125%
HK$64,559
baseline
▲ 0.50% · 4.625%
HK$67,962
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,118/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,787
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,989
−HK$2,237/mo
Today · 4.125%
HK$75,226
baseline
▲ 0.50% · 4.625%
HK$79,803
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,452/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,750
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,862
−HK$2,142/mo
Today · 4.125%
HK$83,004
baseline
▲ 0.50% · 4.625%
HK$87,379
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,008/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,737 · Scale 2, in force from 26 Feb 2026)