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$39,261
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,482
−HK$1,241/mo
Today · 4.125%
HK$41,723
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,446/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,678
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,188/mo
Today · 4.125%
HK$46,037
baseline
▲ 0.50% · 4.625%
HK$48,464
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,074/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,113
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,489/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$53,114
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,413
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,819
−HK$1,426/mo
Today · 4.125%
HK$55,245
baseline
▲ 0.50% · 4.625%
HK$58,157
+HK$2,912/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,490/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,966
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,737/mo
Today · 4.125%
HK$58,412
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,824/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,149
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,789
−HK$1,663/mo
Today · 4.125%
HK$64,452
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,904/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,670
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,868
−HK$2,234/mo
Today · 4.125%
HK$75,102
baseline
▲ 0.50% · 4.625%
HK$79,671
+HK$4,569/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,204/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,620
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,728
−HK$2,139/mo
Today · 4.125%
HK$82,867
baseline
▲ 0.50% · 4.625%
HK$87,235
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,734/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,670 · Scale 2, in force from 26 Feb 2026)