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$39,277
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,499
−HK$1,241/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$44,280
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,696
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,189/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,133
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,599
−HK$1,489/mo
Today · 4.125%
HK$50,088
baseline
▲ 0.50% · 4.625%
HK$53,136
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,176/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,935 · 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$10.33M · min. income ≈ HK$110,536/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,988
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,699
−HK$1,737/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,992
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,174
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,814
−HK$1,665/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$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,699
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,898
−HK$2,234/mo
Today · 4.125%
HK$75,132
baseline
▲ 0.50% · 4.625%
HK$79,704
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,264/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,652
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,761
−HK$2,140/mo
Today · 4.125%
HK$82,901
baseline
▲ 0.50% · 4.625%
HK$87,271
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,802/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,935 · Scale 2, in force from 26 Feb 2026)