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$39,324
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,547
−HK$1,243/mo
Today · 4.125%
HK$41,790
baseline
▲ 0.50% · 4.625%
HK$44,333
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,580/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,921
−HK$1,190/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,542
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,189
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,657
−HK$1,491/mo
Today · 4.125%
HK$50,148
baseline
▲ 0.50% · 4.625%
HK$53,199
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,296/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,497
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,905
−HK$1,428/mo
Today · 4.125%
HK$55,333
baseline
▲ 0.50% · 4.625%
HK$58,250
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,666/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,054
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,766
−HK$1,740/mo
Today · 4.125%
HK$58,506
baseline
▲ 0.50% · 4.625%
HK$62,066
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,012/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,247
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,889
−HK$1,667/mo
Today · 4.125%
HK$64,556
baseline
▲ 0.50% · 4.625%
HK$67,958
+HK$3,402/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,112/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,783
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,985
−HK$2,237/mo
Today · 4.125%
HK$75,222
baseline
▲ 0.50% · 4.625%
HK$79,799
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,444/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,746
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,858
−HK$2,142/mo
Today · 4.125%
HK$83,000
baseline
▲ 0.50% · 4.625%
HK$87,375
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,000/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,705 · Scale 2, in force from 26 Feb 2026)