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$39,269
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,490
−HK$1,241/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,686
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,857
−HK$1,189/mo
Today · 4.125%
HK$46,046
baseline
▲ 0.50% · 4.625%
HK$48,473
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,092/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,122
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,588
−HK$1,489/mo
Today · 4.125%
HK$50,077
baseline
▲ 0.50% · 4.625%
HK$53,124
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,154/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,423
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,829
−HK$1,426/mo
Today · 4.125%
HK$55,255
baseline
▲ 0.50% · 4.625%
HK$58,168
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,510/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,976
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,737/mo
Today · 4.125%
HK$58,423
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,846/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,160
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,800
−HK$1,664/mo
Today · 4.125%
HK$64,464
baseline
▲ 0.50% · 4.625%
HK$67,862
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,928/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,683
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,882
−HK$2,234/mo
Today · 4.125%
HK$75,116
baseline
▲ 0.50% · 4.625%
HK$79,686
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,232/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,634
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,743
−HK$2,140/mo
Today · 4.125%
HK$82,883
baseline
▲ 0.50% · 4.625%
HK$87,252
+HK$4,369/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,766/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,791 · Scale 2, in force from 26 Feb 2026)