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$39,253
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,474
−HK$1,241/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,669
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$44,840
−HK$1,188/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,454
+HK$2,426/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,104
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,569
−HK$1,489/mo
Today · 4.125%
HK$50,058
baseline
▲ 0.50% · 4.625%
HK$53,104
+HK$3,046/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,116/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,403
−HK$2,831/mo
▼ 0.25% · 3.875%
HK$53,808
−HK$1,426/mo
Today · 4.125%
HK$55,234
baseline
▲ 0.50% · 4.625%
HK$58,145
+HK$2,911/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,468/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,954
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,664
−HK$1,737/mo
Today · 4.125%
HK$58,401
baseline
▲ 0.50% · 4.625%
HK$61,954
+HK$3,553/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$116,802/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,136
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,776
−HK$1,663/mo
Today · 4.125%
HK$64,439
baseline
▲ 0.50% · 4.625%
HK$67,836
+HK$3,397/mo
Deposit HK$5.16M · loan HK$12.05M · min. income ≈ HK$128,878/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$2,233/mo
Today · 4.125%
HK$75,087
baseline
▲ 0.50% · 4.625%
HK$79,655
+HK$4,568/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$150,174/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,604
−HK$4,247/mo
▼ 0.25% · 3.875%
HK$80,712
−HK$2,139/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,218
+HK$4,367/mo
Deposit HK$1.72M · loan HK$15.49M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,540 · Scale 2, in force from 26 Feb 2026)