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$39,320
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,242/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,743
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,916
−HK$1,190/mo
Today · 4.125%
HK$46,106
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,212/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,184
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,651
−HK$1,492/mo
Today · 4.125%
HK$50,143
baseline
▲ 0.50% · 4.625%
HK$53,194
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,286/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,491
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,899
−HK$1,428/mo
Today · 4.125%
HK$55,327
baseline
▲ 0.50% · 4.625%
HK$58,244
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,654/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,048
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,760
−HK$1,740/mo
Today · 4.125%
HK$58,500
baseline
▲ 0.50% · 4.625%
HK$62,059
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,000/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,240
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,882
−HK$1,667/mo
Today · 4.125%
HK$64,549
baseline
▲ 0.50% · 4.625%
HK$67,951
+HK$3,402/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,098/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,776
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,977
−HK$2,237/mo
Today · 4.125%
HK$75,214
baseline
▲ 0.50% · 4.625%
HK$79,790
+HK$4,576/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,428/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,737
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,849
−HK$2,142/mo
Today · 4.125%
HK$82,991
baseline
▲ 0.50% · 4.625%
HK$87,366
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,982/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,634 · Scale 2, in force from 26 Feb 2026)