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$39,335
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,243/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,345
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,760
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,933
−HK$1,191/mo
Today · 4.125%
HK$46,124
baseline
▲ 0.50% · 4.625%
HK$48,555
+HK$2,431/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,248/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,202
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,670
−HK$1,492/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$53,214
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,511
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,920
−HK$1,428/mo
Today · 4.125%
HK$55,348
baseline
▲ 0.50% · 4.625%
HK$58,266
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,696/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,069
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,782
−HK$1,740/mo
Today · 4.125%
HK$58,522
baseline
▲ 0.50% · 4.625%
HK$62,083
+HK$3,561/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,044/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,263
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,906
−HK$1,667/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$67,977
+HK$3,404/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,803
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$73,005
−HK$2,237/mo
Today · 4.125%
HK$75,242
baseline
▲ 0.50% · 4.625%
HK$79,821
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,484/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,767
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,880
−HK$2,143/mo
Today · 4.125%
HK$83,023
baseline
▲ 0.50% · 4.625%
HK$87,399
+HK$4,376/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,046/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,881 · Scale 2, in force from 26 Feb 2026)