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$39,247
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$40,468
−HK$1,240/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,662
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,833
−HK$1,188/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,447
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,097
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,562
−HK$1,488/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$53,096
+HK$3,046/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,395
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,800
−HK$1,425/mo
Today · 4.125%
HK$55,225
baseline
▲ 0.50% · 4.625%
HK$58,136
+HK$2,911/mo
Deposit HK$6.88M · loan HK$10.33M · min. income ≈ HK$110,450/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,946
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,655
−HK$1,737/mo
Today · 4.125%
HK$58,392
baseline
▲ 0.50% · 4.625%
HK$61,945
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,784/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,127
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,766
−HK$1,664/mo
Today · 4.125%
HK$64,430
baseline
▲ 0.50% · 4.625%
HK$67,826
+HK$3,396/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,860/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,645
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$72,843
−HK$2,232/mo
Today · 4.125%
HK$75,075
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,150/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,592
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$80,700
−HK$2,138/mo
Today · 4.125%
HK$82,838
baseline
▲ 0.50% · 4.625%
HK$87,205
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,676/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,442 · Scale 2, in force from 26 Feb 2026)