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$39,327
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,550
−HK$1,243/mo
Today · 4.125%
HK$41,793
baseline
▲ 0.50% · 4.625%
HK$44,336
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,586/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,751
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,924
−HK$1,190/mo
Today · 4.125%
HK$46,114
baseline
▲ 0.50% · 4.625%
HK$48,545
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,228/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,192
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,660
−HK$1,491/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$53,203
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,501
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,909
−HK$1,428/mo
Today · 4.125%
HK$55,337
baseline
▲ 0.50% · 4.625%
HK$58,254
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,674/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,057
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,770
−HK$1,740/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$62,070
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,893
−HK$1,667/mo
Today · 4.125%
HK$64,560
baseline
▲ 0.50% · 4.625%
HK$67,963
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,120/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,788
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,990
−HK$2,237/mo
Today · 4.125%
HK$75,227
baseline
▲ 0.50% · 4.625%
HK$79,804
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,454/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,751
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,863
−HK$2,143/mo
Today · 4.125%
HK$83,006
baseline
▲ 0.50% · 4.625%
HK$87,381
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,012/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,748 · Scale 2, in force from 26 Feb 2026)