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$39,265
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,486
−HK$1,241/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,189/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,469
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,489/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,418
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,824
−HK$1,426/mo
Today · 4.125%
HK$55,250
baseline
▲ 0.50% · 4.625%
HK$58,163
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,500/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,971
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,681
−HK$1,737/mo
Today · 4.125%
HK$58,418
baseline
▲ 0.50% · 4.625%
HK$61,973
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,836/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,155
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,795
−HK$1,664/mo
Today · 4.125%
HK$64,459
baseline
▲ 0.50% · 4.625%
HK$67,856
+HK$3,397/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,918/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,677
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,876
−HK$2,233/mo
Today · 4.125%
HK$75,109
baseline
▲ 0.50% · 4.625%
HK$79,679
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,218/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,628
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,736
−HK$2,140/mo
Today · 4.125%
HK$82,876
baseline
▲ 0.50% · 4.625%
HK$87,244
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,752/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,734 · Scale 2, in force from 26 Feb 2026)