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$39,247
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,467
−HK$1,241/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,245
+HK$2,537/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,661
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,832
−HK$1,188/mo
Today · 4.125%
HK$46,020
baseline
▲ 0.50% · 4.625%
HK$48,446
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,040/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,096
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,561
−HK$1,488/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$53,095
+HK$3,046/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,394
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,799
−HK$1,425/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,135
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,945
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,654
−HK$1,737/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,944
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,126
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,765
−HK$1,663/mo
Today · 4.125%
HK$64,428
baseline
▲ 0.50% · 4.625%
HK$67,825
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,856/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,644
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,841
−HK$2,233/mo
Today · 4.125%
HK$75,074
baseline
▲ 0.50% · 4.625%
HK$79,642
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,148/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,591
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,698
−HK$2,139/mo
Today · 4.125%
HK$82,837
baseline
▲ 0.50% · 4.625%
HK$87,203
+HK$4,366/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,674/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,431 · Scale 2, in force from 26 Feb 2026)