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$39,278
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,242/mo
Today · 4.125%
HK$41,741
baseline
▲ 0.50% · 4.625%
HK$44,281
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,482/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,696
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,189/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,133
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,599
−HK$1,490/mo
Today · 4.125%
HK$50,089
baseline
▲ 0.50% · 4.625%
HK$53,137
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,178/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,435
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,841
−HK$1,427/mo
Today · 4.125%
HK$55,268
baseline
▲ 0.50% · 4.625%
HK$58,181
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,536/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,989
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,738/mo
Today · 4.125%
HK$58,437
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,874/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,174
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,815
−HK$1,664/mo
Today · 4.125%
HK$64,479
baseline
▲ 0.50% · 4.625%
HK$67,878
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,958/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,700
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,899
−HK$2,234/mo
Today · 4.125%
HK$75,133
baseline
▲ 0.50% · 4.625%
HK$79,705
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,266/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,653
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,762
−HK$2,140/mo
Today · 4.125%
HK$82,902
baseline
▲ 0.50% · 4.625%
HK$87,272
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,804/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,942 · Scale 2, in force from 26 Feb 2026)