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$39,306
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,243/mo
Today · 4.125%
HK$41,771
baseline
▲ 0.50% · 4.625%
HK$44,312
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,542/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,190/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,491/mo
Today · 4.125%
HK$50,125
baseline
▲ 0.50% · 4.625%
HK$53,175
+HK$3,050/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,250/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,473
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,428/mo
Today · 4.125%
HK$55,308
baseline
▲ 0.50% · 4.625%
HK$58,223
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,616/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,739/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,218
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,666/mo
Today · 4.125%
HK$64,526
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,052/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,951
−HK$2,236/mo
Today · 4.125%
HK$75,187
baseline
▲ 0.50% · 4.625%
HK$79,762
+HK$4,575/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,374/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,709
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,820
−HK$2,142/mo
Today · 4.125%
HK$82,962
baseline
▲ 0.50% · 4.625%
HK$87,335
+HK$4,373/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,924/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,405 · Scale 2, in force from 26 Feb 2026)