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$2,466/mo
▼ 0.25% · 3.875%
HK$40,543
−HK$1,243/mo
Today · 4.125%
HK$41,786
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,572/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,638 · 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$48,537
+HK$2,431/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$646,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,184
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,652
−HK$1,491/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$646,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,492
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,900
−HK$1,428/mo
Today · 4.125%
HK$55,328
baseline
▲ 0.50% · 4.625%
HK$58,244
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,656/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,638 · 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$62,060
+HK$3,560/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$646,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,240
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,883
−HK$1,666/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$646,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,776
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,978
−HK$2,236/mo
Today · 4.125%
HK$75,214
baseline
▲ 0.50% · 4.625%
HK$79,791
+HK$4,577/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$646,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,738
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,849
−HK$2,143/mo
Today · 4.125%
HK$82,992
baseline
▲ 0.50% · 4.625%
HK$87,366
+HK$4,374/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,984/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,638 · Scale 2, in force from 26 Feb 2026)