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$39,257
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,478
−HK$1,241/mo
Today · 4.125%
HK$41,719
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,438/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,673
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,188/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,109
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,574
−HK$1,489/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$53,109
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,408
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,813
−HK$1,426/mo
Today · 4.125%
HK$55,239
baseline
▲ 0.50% · 4.625%
HK$58,151
+HK$2,912/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,478/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,960
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,670
−HK$1,737/mo
Today · 4.125%
HK$58,407
baseline
▲ 0.50% · 4.625%
HK$61,960
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,814/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,143
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,782
−HK$1,664/mo
Today · 4.125%
HK$64,446
baseline
▲ 0.50% · 4.625%
HK$67,843
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,892/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,663
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,861
−HK$2,233/mo
Today · 4.125%
HK$75,094
baseline
▲ 0.50% · 4.625%
HK$79,663
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,188/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,612
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,720
−HK$2,139/mo
Today · 4.125%
HK$82,859
baseline
▲ 0.50% · 4.625%
HK$87,227
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,718/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,605 · Scale 2, in force from 26 Feb 2026)