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$39,295
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,517
−HK$1,242/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$44,300
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,715
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,888
−HK$1,189/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,506
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,154
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,621
−HK$1,490/mo
Today · 4.125%
HK$50,111
baseline
▲ 0.50% · 4.625%
HK$53,160
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,222/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,458
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,865
−HK$1,427/mo
Today · 4.125%
HK$55,292
baseline
▲ 0.50% · 4.625%
HK$58,207
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,584/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,013
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,724
−HK$1,739/mo
Today · 4.125%
HK$58,463
baseline
▲ 0.50% · 4.625%
HK$62,020
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,926/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,201
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,843
−HK$1,665/mo
Today · 4.125%
HK$64,508
baseline
▲ 0.50% · 4.625%
HK$67,908
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,016/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,731
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,931
−HK$2,235/mo
Today · 4.125%
HK$75,166
baseline
▲ 0.50% · 4.625%
HK$79,740
+HK$4,574/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,332/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,687
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,798
−HK$2,141/mo
Today · 4.125%
HK$82,939
baseline
▲ 0.50% · 4.625%
HK$87,311
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,878/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,227 · Scale 2, in force from 26 Feb 2026)