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$39,245
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,465
−HK$1,241/mo
Today · 4.125%
HK$41,706
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,537/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,412/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,659
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,188/mo
Today · 4.125%
HK$46,018
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,036/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,094
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,558
−HK$1,489/mo
Today · 4.125%
HK$50,047
baseline
▲ 0.50% · 4.625%
HK$53,092
+HK$3,045/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,094/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,391
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,796
−HK$1,426/mo
Today · 4.125%
HK$55,222
baseline
▲ 0.50% · 4.625%
HK$58,132
+HK$2,910/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,444/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,737/mo
Today · 4.125%
HK$58,388
baseline
▲ 0.50% · 4.625%
HK$61,941
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,776/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,762
−HK$1,663/mo
Today · 4.125%
HK$64,425
baseline
▲ 0.50% · 4.625%
HK$67,821
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,850/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,640
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,838
−HK$2,232/mo
Today · 4.125%
HK$75,070
baseline
▲ 0.50% · 4.625%
HK$79,638
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,140/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,587
−HK$4,245/mo
▼ 0.25% · 3.875%
HK$80,694
−HK$2,138/mo
Today · 4.125%
HK$82,832
baseline
▲ 0.50% · 4.625%
HK$87,199
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,664/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,398 · Scale 2, in force from 26 Feb 2026)