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$39,250
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,241/mo
Today · 4.125%
HK$41,712
baseline
▲ 0.50% · 4.625%
HK$44,250
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,424/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,666
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,837
−HK$1,188/mo
Today · 4.125%
HK$46,025
baseline
▲ 0.50% · 4.625%
HK$48,451
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,050/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,100
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,565
−HK$1,489/mo
Today · 4.125%
HK$50,054
baseline
▲ 0.50% · 4.625%
HK$53,100
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,108/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,399
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,804
−HK$1,426/mo
Today · 4.125%
HK$55,230
baseline
▲ 0.50% · 4.625%
HK$58,141
+HK$2,911/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,460/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,950
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,660
−HK$1,736/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,950
+HK$3,554/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,792/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,132
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,664/mo
Today · 4.125%
HK$64,435
baseline
▲ 0.50% · 4.625%
HK$67,831
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,870/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,651
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,848
−HK$2,233/mo
Today · 4.125%
HK$75,081
baseline
▲ 0.50% · 4.625%
HK$79,649
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,162/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,598
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,706
−HK$2,138/mo
Today · 4.125%
HK$82,844
baseline
▲ 0.50% · 4.625%
HK$87,211
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,688/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,492 · Scale 2, in force from 26 Feb 2026)