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$2,464/mo
▼ 0.25% · 3.875%
HK$40,503
−HK$1,242/mo
Today · 4.125%
HK$41,745
baseline
▲ 0.50% · 4.625%
HK$44,285
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,490/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,189/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,489
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,138
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,604
−HK$1,490/mo
Today · 4.125%
HK$50,094
baseline
▲ 0.50% · 4.625%
HK$53,142
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,188/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,440
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,847
−HK$1,426/mo
Today · 4.125%
HK$55,273
baseline
▲ 0.50% · 4.625%
HK$58,187
+HK$2,914/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$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,994
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,705
−HK$1,738/mo
Today · 4.125%
HK$58,443
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,886/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,821
−HK$1,665/mo
Today · 4.125%
HK$64,486
baseline
▲ 0.50% · 4.625%
HK$67,885
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,972/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,707
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,906
−HK$2,235/mo
Today · 4.125%
HK$75,141
baseline
▲ 0.50% · 4.625%
HK$79,713
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,282/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,660
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,770
−HK$2,140/mo
Today · 4.125%
HK$82,910
baseline
▲ 0.50% · 4.625%
HK$87,280
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,820/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,004 · Scale 2, in force from 26 Feb 2026)