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$40,480
−HK$1,241/mo
Today · 4.125%
HK$41,721
baseline
▲ 0.50% · 4.625%
HK$44,259
+HK$2,538/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$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,675
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,846
−HK$1,189/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,461
+HK$2,426/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$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,111
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,576
−HK$1,489/mo
Today · 4.125%
HK$50,065
baseline
▲ 0.50% · 4.625%
HK$53,111
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,130/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,410
−HK$2,832/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$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,962
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,672
−HK$1,737/mo
Today · 4.125%
HK$58,409
baseline
▲ 0.50% · 4.625%
HK$61,963
+HK$3,554/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,818/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,145
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,664/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,397/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$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,666
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,864
−HK$2,233/mo
Today · 4.125%
HK$75,097
baseline
▲ 0.50% · 4.625%
HK$79,667
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,194/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,615
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,724
−HK$2,138/mo
Today · 4.125%
HK$82,862
baseline
▲ 0.50% · 4.625%
HK$87,230
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,724/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,633 · Scale 2, in force from 26 Feb 2026)