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$39,279
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,501
−HK$1,241/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$44,282
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,698
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,870
−HK$1,189/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,487
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,135
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,601
−HK$1,490/mo
Today · 4.125%
HK$50,091
baseline
▲ 0.50% · 4.625%
HK$53,139
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,182/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,437
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,844
−HK$1,426/mo
Today · 4.125%
HK$55,270
baseline
▲ 0.50% · 4.625%
HK$58,184
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,540/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,991
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,702
−HK$1,737/mo
Today · 4.125%
HK$58,439
baseline
▲ 0.50% · 4.625%
HK$61,995
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,878/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,177
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,818
−HK$1,664/mo
Today · 4.125%
HK$64,482
baseline
▲ 0.50% · 4.625%
HK$67,881
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,964/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,703
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,902
−HK$2,234/mo
Today · 4.125%
HK$75,136
baseline
▲ 0.50% · 4.625%
HK$79,708
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,272/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,656
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,766
−HK$2,140/mo
Today · 4.125%
HK$82,906
baseline
▲ 0.50% · 4.625%
HK$87,276
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,812/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,969 · Scale 2, in force from 26 Feb 2026)