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$39,282
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,504
−HK$1,242/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$44,286
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,701
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,189/mo
Today · 4.125%
HK$46,062
baseline
▲ 0.50% · 4.625%
HK$48,490
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,124/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,139
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,605
−HK$1,490/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$53,143
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,441
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,848
−HK$1,427/mo
Today · 4.125%
HK$55,275
baseline
▲ 0.50% · 4.625%
HK$58,188
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,550/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,738/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,822
−HK$1,665/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,708
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$72,908
−HK$2,234/mo
Today · 4.125%
HK$75,142
baseline
▲ 0.50% · 4.625%
HK$79,714
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,284/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,662
−HK$4,250/mo
▼ 0.25% · 3.875%
HK$80,772
−HK$2,140/mo
Today · 4.125%
HK$82,912
baseline
▲ 0.50% · 4.625%
HK$87,282
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,824/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,018 · Scale 2, in force from 26 Feb 2026)