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$39,311
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,534
−HK$1,242/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$44,318
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,190/mo
Today · 4.125%
HK$46,096
baseline
▲ 0.50% · 4.625%
HK$48,526
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,192/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,173
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,641
−HK$1,490/mo
Today · 4.125%
HK$50,131
baseline
▲ 0.50% · 4.625%
HK$53,182
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$100,262/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,480
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,887
−HK$1,428/mo
Today · 4.125%
HK$55,315
baseline
▲ 0.50% · 4.625%
HK$58,231
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$110,630/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,035
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,747
−HK$1,740/mo
Today · 4.125%
HK$58,487
baseline
▲ 0.50% · 4.625%
HK$62,045
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,974/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,226
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,868
−HK$1,666/mo
Today · 4.125%
HK$64,534
baseline
▲ 0.50% · 4.625%
HK$67,936
+HK$3,402/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,068/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,760
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,961
−HK$2,236/mo
Today · 4.125%
HK$75,197
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$4,576/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,394/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,720
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,831
−HK$2,142/mo
Today · 4.125%
HK$82,973
baseline
▲ 0.50% · 4.625%
HK$87,346
+HK$4,373/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,946/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,491 · Scale 2, in force from 26 Feb 2026)