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$39,270
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,491
−HK$1,241/mo
Today · 4.125%
HK$41,732
baseline
▲ 0.50% · 4.625%
HK$44,272
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,464/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,189/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,475
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,124
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,590
−HK$1,489/mo
Today · 4.125%
HK$50,079
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,158/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,425
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,831
−HK$1,426/mo
Today · 4.125%
HK$55,257
baseline
▲ 0.50% · 4.625%
HK$58,170
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,514/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,978
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,688
−HK$1,737/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,162
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,803
−HK$1,664/mo
Today · 4.125%
HK$64,467
baseline
▲ 0.50% · 4.625%
HK$67,865
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,934/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,686
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,884
−HK$2,234/mo
Today · 4.125%
HK$75,118
baseline
▲ 0.50% · 4.625%
HK$79,689
+HK$4,571/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,236/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,637
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,746
−HK$2,140/mo
Today · 4.125%
HK$82,886
baseline
▲ 0.50% · 4.625%
HK$87,255
+HK$4,369/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,772/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,813 · Scale 2, in force from 26 Feb 2026)