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$39,264
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,485
−HK$1,241/mo
Today · 4.125%
HK$41,726
baseline
▲ 0.50% · 4.625%
HK$44,265
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,452/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,681
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,189/mo
Today · 4.125%
HK$46,041
baseline
▲ 0.50% · 4.625%
HK$48,468
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,082/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,117
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,582
−HK$1,489/mo
Today · 4.125%
HK$50,071
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,142/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,417
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,823
−HK$1,426/mo
Today · 4.125%
HK$55,249
baseline
▲ 0.50% · 4.625%
HK$58,161
+HK$2,912/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,498/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,970
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,679
−HK$1,738/mo
Today · 4.125%
HK$58,417
baseline
▲ 0.50% · 4.625%
HK$61,971
+HK$3,554/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,834/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,153
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,664/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$67,855
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,675
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,874
−HK$2,233/mo
Today · 4.125%
HK$75,107
baseline
▲ 0.50% · 4.625%
HK$79,677
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,214/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,625
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,734
−HK$2,139/mo
Today · 4.125%
HK$82,873
baseline
▲ 0.50% · 4.625%
HK$87,242
+HK$4,369/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,746/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,717 · Scale 2, in force from 26 Feb 2026)