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$39,322
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,546
−HK$1,242/mo
Today · 4.125%
HK$41,788
baseline
▲ 0.50% · 4.625%
HK$44,331
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,576/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,746
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,190/mo
Today · 4.125%
HK$46,109
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,218/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,655
−HK$1,491/mo
Today · 4.125%
HK$50,146
baseline
▲ 0.50% · 4.625%
HK$53,197
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,292/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,495
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,903
−HK$1,428/mo
Today · 4.125%
HK$55,331
baseline
▲ 0.50% · 4.625%
HK$58,248
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,662/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,740/mo
Today · 4.125%
HK$58,504
baseline
▲ 0.50% · 4.625%
HK$62,063
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,008/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,666/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$67,956
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,780
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,982
−HK$2,237/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,796
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,742
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,854
−HK$2,143/mo
Today · 4.125%
HK$82,997
baseline
▲ 0.50% · 4.625%
HK$87,371
+HK$4,374/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,994/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,678 · Scale 2, in force from 26 Feb 2026)