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$39,287
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,242/mo
Today · 4.125%
HK$41,751
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,502/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,189/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,144
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,611
−HK$1,490/mo
Today · 4.125%
HK$50,101
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,202/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,448
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,854
−HK$1,427/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,002
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,713
−HK$1,738/mo
Today · 4.125%
HK$58,451
baseline
▲ 0.50% · 4.625%
HK$62,007
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,902/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,189
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,830
−HK$1,665/mo
Today · 4.125%
HK$64,495
baseline
▲ 0.50% · 4.625%
HK$67,894
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,990/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,717
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,916
−HK$2,235/mo
Today · 4.125%
HK$75,151
baseline
▲ 0.50% · 4.625%
HK$79,724
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,302/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,671
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,781
−HK$2,141/mo
Today · 4.125%
HK$82,922
baseline
▲ 0.50% · 4.625%
HK$87,293
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,844/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,095 · Scale 2, in force from 26 Feb 2026)