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$39,325
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,549
−HK$1,242/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,191/mo
Today · 4.125%
HK$46,113
baseline
▲ 0.50% · 4.625%
HK$48,543
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,226/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,190
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,658
−HK$1,492/mo
Today · 4.125%
HK$50,150
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,300/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,499
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,428/mo
Today · 4.125%
HK$55,335
baseline
▲ 0.50% · 4.625%
HK$58,252
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,670/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,055
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,740/mo
Today · 4.125%
HK$58,508
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,016/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,249
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,891
−HK$1,667/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,786
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,987
−HK$2,238/mo
Today · 4.125%
HK$75,225
baseline
▲ 0.50% · 4.625%
HK$79,802
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,450/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,748
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,860
−HK$2,143/mo
Today · 4.125%
HK$83,003
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,006/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,726 · Scale 2, in force from 26 Feb 2026)