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$39,302
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,525
−HK$1,242/mo
Today · 4.125%
HK$41,767
baseline
▲ 0.50% · 4.625%
HK$44,308
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,534/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,896
−HK$1,189/mo
Today · 4.125%
HK$46,085
baseline
▲ 0.50% · 4.625%
HK$48,515
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,170/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,162
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,630
−HK$1,490/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$53,170
+HK$3,050/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,468
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,875
−HK$1,427/mo
Today · 4.125%
HK$55,302
baseline
▲ 0.50% · 4.625%
HK$58,218
+HK$2,916/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,604/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,023
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,734
−HK$1,739/mo
Today · 4.125%
HK$58,473
baseline
▲ 0.50% · 4.625%
HK$62,031
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,946/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,212
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,854
−HK$1,666/mo
Today · 4.125%
HK$64,520
baseline
▲ 0.50% · 4.625%
HK$67,920
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,040/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,744
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,944
−HK$2,236/mo
Today · 4.125%
HK$75,180
baseline
▲ 0.50% · 4.625%
HK$79,755
+HK$4,575/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,360/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,702
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,812
−HK$2,142/mo
Today · 4.125%
HK$82,954
baseline
▲ 0.50% · 4.625%
HK$87,326
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,908/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,344 · Scale 2, in force from 26 Feb 2026)