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$39,300
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,522
−HK$1,242/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$44,306
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,721
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,893
−HK$1,190/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,160
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,627
−HK$1,490/mo
Today · 4.125%
HK$50,117
baseline
▲ 0.50% · 4.625%
HK$53,167
+HK$3,050/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,234/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,465
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,872
−HK$1,428/mo
Today · 4.125%
HK$55,300
baseline
▲ 0.50% · 4.625%
HK$58,214
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,600/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,020
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,739/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$62,028
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,851
−HK$1,665/mo
Today · 4.125%
HK$64,516
baseline
▲ 0.50% · 4.625%
HK$67,917
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,032/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,740
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,940
−HK$2,236/mo
Today · 4.125%
HK$75,176
baseline
▲ 0.50% · 4.625%
HK$79,750
+HK$4,574/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,352/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,698
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,808
−HK$2,141/mo
Today · 4.125%
HK$82,949
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$4,373/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,898/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,310 · Scale 2, in force from 26 Feb 2026)