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$39,332
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,556
−HK$1,243/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,757
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,930
−HK$1,191/mo
Today · 4.125%
HK$46,121
baseline
▲ 0.50% · 4.625%
HK$48,552
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,242/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,199
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,667
−HK$1,491/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$53,211
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,508
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,916
−HK$1,429/mo
Today · 4.125%
HK$55,345
baseline
▲ 0.50% · 4.625%
HK$58,262
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,690/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,065
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,778
−HK$1,740/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$62,079
+HK$3,561/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,259
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,667/mo
Today · 4.125%
HK$64,569
baseline
▲ 0.50% · 4.625%
HK$67,973
+HK$3,404/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,138/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,798
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,000
−HK$2,238/mo
Today · 4.125%
HK$75,238
baseline
▲ 0.50% · 4.625%
HK$79,816
+HK$4,578/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,476/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,762
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,874
−HK$2,143/mo
Today · 4.125%
HK$83,017
baseline
▲ 0.50% · 4.625%
HK$87,393
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,034/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,840 · Scale 2, in force from 26 Feb 2026)