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$39,321
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,544
−HK$1,242/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$44,329
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,917
−HK$1,190/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,538
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,185
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,492/mo
Today · 4.125%
HK$50,144
baseline
▲ 0.50% · 4.625%
HK$53,195
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,288/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,493
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,900
−HK$1,429/mo
Today · 4.125%
HK$55,329
baseline
▲ 0.50% · 4.625%
HK$58,245
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,658/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,049
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,761
−HK$1,740/mo
Today · 4.125%
HK$58,501
baseline
▲ 0.50% · 4.625%
HK$62,061
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,002/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,241
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,884
−HK$1,666/mo
Today · 4.125%
HK$64,550
baseline
▲ 0.50% · 4.625%
HK$67,953
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,100/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,777
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,979
−HK$2,236/mo
Today · 4.125%
HK$75,215
baseline
▲ 0.50% · 4.625%
HK$79,792
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,430/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,739
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,851
−HK$2,142/mo
Today · 4.125%
HK$82,993
baseline
▲ 0.50% · 4.625%
HK$87,368
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,986/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,648 · Scale 2, in force from 26 Feb 2026)