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$39,310
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,532
−HK$1,243/mo
Today · 4.125%
HK$41,775
baseline
▲ 0.50% · 4.625%
HK$44,316
+HK$2,541/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,550/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,731
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,190/mo
Today · 4.125%
HK$46,094
baseline
▲ 0.50% · 4.625%
HK$48,524
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,188/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,171
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,639
−HK$1,491/mo
Today · 4.125%
HK$50,130
baseline
▲ 0.50% · 4.625%
HK$53,180
+HK$3,050/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$100,260/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,478
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,885
−HK$1,428/mo
Today · 4.125%
HK$55,313
baseline
▲ 0.50% · 4.625%
HK$58,229
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$110,626/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,033
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,745
−HK$1,739/mo
Today · 4.125%
HK$58,484
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,968/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,224
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,666/mo
Today · 4.125%
HK$64,532
baseline
▲ 0.50% · 4.625%
HK$67,933
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,064/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,757
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,958
−HK$2,236/mo
Today · 4.125%
HK$75,194
baseline
▲ 0.50% · 4.625%
HK$79,770
+HK$4,576/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,388/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,717
−HK$4,252/mo
▼ 0.25% · 3.875%
HK$80,828
−HK$2,141/mo
Today · 4.125%
HK$82,969
baseline
▲ 0.50% · 4.625%
HK$87,343
+HK$4,374/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,938/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,466 · Scale 2, in force from 26 Feb 2026)