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$39,287
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,241/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,541/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,878
−HK$1,189/mo
Today · 4.125%
HK$46,067
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,429/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,134/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,144
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,610
−HK$1,490/mo
Today · 4.125%
HK$50,100
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,200/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,447
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,854
−HK$1,427/mo
Today · 4.125%
HK$55,281
baseline
▲ 0.50% · 4.625%
HK$58,195
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,562/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,001
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,712
−HK$1,738/mo
Today · 4.125%
HK$58,450
baseline
▲ 0.50% · 4.625%
HK$62,007
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,900/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,188
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,829
−HK$1,665/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$67,894
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,716
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,916
−HK$2,234/mo
Today · 4.125%
HK$75,150
baseline
▲ 0.50% · 4.625%
HK$79,723
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,300/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,671
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,781
−HK$2,140/mo
Today · 4.125%
HK$82,921
baseline
▲ 0.50% · 4.625%
HK$87,292
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,842/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,090 · Scale 2, in force from 26 Feb 2026)