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$39,281
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,503
−HK$1,241/mo
Today · 4.125%
HK$41,744
baseline
▲ 0.50% · 4.625%
HK$44,284
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,488/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,188/mo
Today · 4.125%
HK$46,060
baseline
▲ 0.50% · 4.625%
HK$48,488
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,120/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,137
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,603
−HK$1,490/mo
Today · 4.125%
HK$50,093
baseline
▲ 0.50% · 4.625%
HK$53,141
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,186/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,439
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,846
−HK$1,427/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,186
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,546/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,993
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,704
−HK$1,738/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,998
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,665/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$67,884
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,705
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,905
−HK$2,234/mo
Today · 4.125%
HK$75,139
baseline
▲ 0.50% · 4.625%
HK$79,711
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,278/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,659
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,769
−HK$2,140/mo
Today · 4.125%
HK$82,909
baseline
▲ 0.50% · 4.625%
HK$87,279
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,818/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,994 · Scale 2, in force from 26 Feb 2026)