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$39,322
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,545
−HK$1,243/mo
Today · 4.125%
HK$41,788
baseline
▲ 0.50% · 4.625%
HK$44,331
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,576/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,745
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,919
−HK$1,190/mo
Today · 4.125%
HK$46,109
baseline
▲ 0.50% · 4.625%
HK$48,539
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,218/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,187
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,654
−HK$1,492/mo
Today · 4.125%
HK$50,146
baseline
▲ 0.50% · 4.625%
HK$53,197
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,292/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,495
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,902
−HK$1,429/mo
Today · 4.125%
HK$55,331
baseline
▲ 0.50% · 4.625%
HK$58,247
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,662/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,051
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,763
−HK$1,740/mo
Today · 4.125%
HK$58,503
baseline
▲ 0.50% · 4.625%
HK$62,063
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,006/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,666/mo
Today · 4.125%
HK$64,552
baseline
▲ 0.50% · 4.625%
HK$67,955
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,104/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,780
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,981
−HK$2,237/mo
Today · 4.125%
HK$75,218
baseline
▲ 0.50% · 4.625%
HK$79,795
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,436/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,742
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,854
−HK$2,142/mo
Today · 4.125%
HK$82,996
baseline
▲ 0.50% · 4.625%
HK$87,371
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,992/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,673 · Scale 2, in force from 26 Feb 2026)