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$39,307
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,530
−HK$1,242/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$44,314
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,729
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,902
−HK$1,189/mo
Today · 4.125%
HK$46,091
baseline
▲ 0.50% · 4.625%
HK$48,521
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,182/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,169
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,636
−HK$1,491/mo
Today · 4.125%
HK$50,127
baseline
▲ 0.50% · 4.625%
HK$53,177
+HK$3,050/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$100,254/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,475
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,882
−HK$1,428/mo
Today · 4.125%
HK$55,310
baseline
▲ 0.50% · 4.625%
HK$58,225
+HK$2,915/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$110,620/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,030
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,742
−HK$1,739/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,220
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,862
−HK$1,666/mo
Today · 4.125%
HK$64,528
baseline
▲ 0.50% · 4.625%
HK$67,929
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,056/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,954
−HK$2,236/mo
Today · 4.125%
HK$75,190
baseline
▲ 0.50% · 4.625%
HK$79,765
+HK$4,575/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,380/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,712
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,823
−HK$2,142/mo
Today · 4.125%
HK$82,965
baseline
▲ 0.50% · 4.625%
HK$87,338
+HK$4,373/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,930/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,429 · Scale 2, in force from 26 Feb 2026)