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$39,301
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,524
−HK$1,242/mo
Today · 4.125%
HK$41,766
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,532/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,895
−HK$1,189/mo
Today · 4.125%
HK$46,084
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,168/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,161
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,628
−HK$1,491/mo
Today · 4.125%
HK$50,119
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,238/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,467
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,874
−HK$1,427/mo
Today · 4.125%
HK$55,301
baseline
▲ 0.50% · 4.625%
HK$58,216
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,602/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,022
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,733
−HK$1,739/mo
Today · 4.125%
HK$58,472
baseline
▲ 0.50% · 4.625%
HK$62,030
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,944/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,211
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,853
−HK$1,665/mo
Today · 4.125%
HK$64,518
baseline
▲ 0.50% · 4.625%
HK$67,919
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,036/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,742
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,943
−HK$2,235/mo
Today · 4.125%
HK$75,178
baseline
▲ 0.50% · 4.625%
HK$79,753
+HK$4,575/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,356/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,700
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,811
−HK$2,141/mo
Today · 4.125%
HK$82,952
baseline
▲ 0.50% · 4.625%
HK$87,324
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,904/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,329 · Scale 2, in force from 26 Feb 2026)