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$2,464/mo
▼ 0.25% · 3.875%
HK$40,518
−HK$1,242/mo
Today · 4.125%
HK$41,760
baseline
▲ 0.50% · 4.625%
HK$44,301
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,520/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,889
−HK$1,189/mo
Today · 4.125%
HK$46,078
baseline
▲ 0.50% · 4.625%
HK$48,507
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,156/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,155
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,622
−HK$1,490/mo
Today · 4.125%
HK$50,112
baseline
▲ 0.50% · 4.625%
HK$53,161
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,224/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,242 · 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$58,208
+HK$2,914/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$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,014
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,738/mo
Today · 4.125%
HK$58,464
baseline
▲ 0.50% · 4.625%
HK$62,022
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,928/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,203
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,844
−HK$1,665/mo
Today · 4.125%
HK$64,509
baseline
▲ 0.50% · 4.625%
HK$67,910
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,018/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,733
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,933
−HK$2,235/mo
Today · 4.125%
HK$75,168
baseline
▲ 0.50% · 4.625%
HK$79,742
+HK$4,574/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,336/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,689
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,800
−HK$2,141/mo
Today · 4.125%
HK$82,941
baseline
▲ 0.50% · 4.625%
HK$87,313
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,882/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,242 · Scale 2, in force from 26 Feb 2026)