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$39,262
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,483
−HK$1,241/mo
Today · 4.125%
HK$41,724
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,538/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,448/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,678
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,189/mo
Today · 4.125%
HK$46,038
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,076/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,114
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$48,579
−HK$1,489/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$53,115
+HK$3,047/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$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,414
−HK$2,831/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$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,966
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,676
−HK$1,737/mo
Today · 4.125%
HK$58,413
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,554/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,826/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,149
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,789
−HK$1,664/mo
Today · 4.125%
HK$64,453
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,397/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,906/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,671
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$72,869
−HK$2,233/mo
Today · 4.125%
HK$75,102
baseline
▲ 0.50% · 4.625%
HK$79,672
+HK$4,570/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$645,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,620
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,729
−HK$2,139/mo
Today · 4.125%
HK$82,868
baseline
▲ 0.50% · 4.625%
HK$87,236
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,736/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,676 · Scale 2, in force from 26 Feb 2026)