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$39,332
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,555
−HK$1,243/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,544/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,930
−HK$1,190/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,551
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,198
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,492/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$53,210
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,508
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,428/mo
Today · 4.125%
HK$55,344
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,688/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,065
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,740/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,259
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,667/mo
Today · 4.125%
HK$64,569
baseline
▲ 0.50% · 4.625%
HK$67,972
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,138/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$2,237/mo
Today · 4.125%
HK$75,237
baseline
▲ 0.50% · 4.625%
HK$79,815
+HK$4,578/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,474/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,762
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,874
−HK$2,143/mo
Today · 4.125%
HK$83,017
baseline
▲ 0.50% · 4.625%
HK$87,393
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,034/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,835 · Scale 2, in force from 26 Feb 2026)