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$39,276
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,241/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$44,278
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,694
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,189/mo
Today · 4.125%
HK$46,054
baseline
▲ 0.50% · 4.625%
HK$48,482
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,108/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,131
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,597
−HK$1,489/mo
Today · 4.125%
HK$50,086
baseline
▲ 0.50% · 4.625%
HK$53,134
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,172/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,432
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,839
−HK$1,426/mo
Today · 4.125%
HK$55,265
baseline
▲ 0.50% · 4.625%
HK$58,178
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,530/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,986
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,696
−HK$1,738/mo
Today · 4.125%
HK$58,434
baseline
▲ 0.50% · 4.625%
HK$61,989
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,868/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,171
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,812
−HK$1,664/mo
Today · 4.125%
HK$64,476
baseline
▲ 0.50% · 4.625%
HK$67,875
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,952/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,696
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,895
−HK$2,234/mo
Today · 4.125%
HK$75,129
baseline
▲ 0.50% · 4.625%
HK$79,701
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,258/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,648
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,758
−HK$2,140/mo
Today · 4.125%
HK$82,898
baseline
▲ 0.50% · 4.625%
HK$87,267
+HK$4,369/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,796/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,907 · Scale 2, in force from 26 Feb 2026)