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$39,333
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,557
−HK$1,243/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,343
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,191/mo
Today · 4.125%
HK$46,122
baseline
▲ 0.50% · 4.625%
HK$48,553
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,244/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,200
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,668
−HK$1,492/mo
Today · 4.125%
HK$50,160
baseline
▲ 0.50% · 4.625%
HK$53,212
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,320/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,509
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,918
−HK$1,428/mo
Today · 4.125%
HK$55,346
baseline
▲ 0.50% · 4.625%
HK$58,264
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,692/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,067
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,779
−HK$1,741/mo
Today · 4.125%
HK$58,520
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,561/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,040/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,261
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,667/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$67,974
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,800
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,002
−HK$2,238/mo
Today · 4.125%
HK$75,240
baseline
▲ 0.50% · 4.625%
HK$79,818
+HK$4,578/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,480/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,764
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,877
−HK$2,143/mo
Today · 4.125%
HK$83,020
baseline
▲ 0.50% · 4.625%
HK$87,396
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,040/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,857 · Scale 2, in force from 26 Feb 2026)