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$2,461/mo
▼ 0.25% · 3.875%
HK$40,471
−HK$1,240/mo
Today · 4.125%
HK$41,711
baseline
▲ 0.50% · 4.625%
HK$44,249
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,422/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,665
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,188/mo
Today · 4.125%
HK$46,024
baseline
▲ 0.50% · 4.625%
HK$48,450
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,048/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,100
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,565
−HK$1,488/mo
Today · 4.125%
HK$50,053
baseline
▲ 0.50% · 4.625%
HK$53,099
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,106/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,398
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,803
−HK$1,426/mo
Today · 4.125%
HK$55,229
baseline
▲ 0.50% · 4.625%
HK$58,140
+HK$2,911/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,458/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,950
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,659
−HK$1,737/mo
Today · 4.125%
HK$58,396
baseline
▲ 0.50% · 4.625%
HK$61,949
+HK$3,553/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$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,131
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,771
−HK$1,663/mo
Today · 4.125%
HK$64,434
baseline
▲ 0.50% · 4.625%
HK$67,830
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,868/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,650
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,847
−HK$2,233/mo
Today · 4.125%
HK$75,080
baseline
▲ 0.50% · 4.625%
HK$79,649
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,160/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,597
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,705
−HK$2,139/mo
Today · 4.125%
HK$82,844
baseline
▲ 0.50% · 4.625%
HK$87,210
+HK$4,366/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$645,486 · Scale 2, in force from 26 Feb 2026)