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$39,284
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,506
−HK$1,241/mo
Today · 4.125%
HK$41,747
baseline
▲ 0.50% · 4.625%
HK$44,288
+HK$2,541/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,494/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,189/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,492
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,141
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,607
−HK$1,490/mo
Today · 4.125%
HK$50,097
baseline
▲ 0.50% · 4.625%
HK$53,145
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,194/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,444
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,850
−HK$1,427/mo
Today · 4.125%
HK$55,277
baseline
▲ 0.50% · 4.625%
HK$58,191
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,554/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,997
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,708
−HK$1,738/mo
Today · 4.125%
HK$58,446
baseline
▲ 0.50% · 4.625%
HK$62,003
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,892/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,184
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,825
−HK$1,665/mo
Today · 4.125%
HK$64,490
baseline
▲ 0.50% · 4.625%
HK$67,889
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,980/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,711
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,911
−HK$2,234/mo
Today · 4.125%
HK$75,145
baseline
▲ 0.50% · 4.625%
HK$79,718
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,290/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,665
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,775
−HK$2,140/mo
Today · 4.125%
HK$82,915
baseline
▲ 0.50% · 4.625%
HK$87,286
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,830/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,044 · Scale 2, in force from 26 Feb 2026)