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$39,259
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,481
−HK$1,240/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,442/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,847
−HK$1,188/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,577
−HK$1,489/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,411
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,816
−HK$1,426/mo
Today · 4.125%
HK$55,242
baseline
▲ 0.50% · 4.625%
HK$58,154
+HK$2,912/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,484/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,963
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,673
−HK$1,737/mo
Today · 4.125%
HK$58,410
baseline
▲ 0.50% · 4.625%
HK$61,964
+HK$3,554/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,820/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,146
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,786
−HK$1,663/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$67,847
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,667
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,865
−HK$2,233/mo
Today · 4.125%
HK$75,098
baseline
▲ 0.50% · 4.625%
HK$79,668
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,196/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,616
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,725
−HK$2,139/mo
Today · 4.125%
HK$82,864
baseline
▲ 0.50% · 4.625%
HK$87,231
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,728/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,641 · Scale 2, in force from 26 Feb 2026)