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$39,258
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,479
−HK$1,241/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,845
−HK$1,189/mo
Today · 4.125%
HK$46,034
baseline
▲ 0.50% · 4.625%
HK$48,460
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,068/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,110
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,575
−HK$1,489/mo
Today · 4.125%
HK$50,064
baseline
▲ 0.50% · 4.625%
HK$53,110
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,128/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,409
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,815
−HK$1,425/mo
Today · 4.125%
HK$55,240
baseline
▲ 0.50% · 4.625%
HK$58,152
+HK$2,912/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,480/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,671
−HK$1,737/mo
Today · 4.125%
HK$58,408
baseline
▲ 0.50% · 4.625%
HK$61,962
+HK$3,554/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,816/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,144
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,784
−HK$1,663/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,664
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,863
−HK$2,233/mo
Today · 4.125%
HK$75,096
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,192/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,614
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,139/mo
Today · 4.125%
HK$82,861
baseline
▲ 0.50% · 4.625%
HK$87,228
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,722/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,619 · Scale 2, in force from 26 Feb 2026)