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$39,277
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,498
−HK$1,242/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,695
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,867
−HK$1,189/mo
Today · 4.125%
HK$46,056
baseline
▲ 0.50% · 4.625%
HK$48,483
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,112/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,132
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,598
−HK$1,490/mo
Today · 4.125%
HK$50,088
baseline
▲ 0.50% · 4.625%
HK$53,135
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,176/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,434
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,840
−HK$1,427/mo
Today · 4.125%
HK$55,267
baseline
▲ 0.50% · 4.625%
HK$58,180
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,534/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,987
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,698
−HK$1,738/mo
Today · 4.125%
HK$58,436
baseline
▲ 0.50% · 4.625%
HK$61,991
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,872/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,173
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,813
−HK$1,665/mo
Today · 4.125%
HK$64,478
baseline
▲ 0.50% · 4.625%
HK$67,877
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,956/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,698
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,897
−HK$2,234/mo
Today · 4.125%
HK$75,131
baseline
▲ 0.50% · 4.625%
HK$79,703
+HK$4,572/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,262/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,651
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,140/mo
Today · 4.125%
HK$82,900
baseline
▲ 0.50% · 4.625%
HK$87,270
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,800/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,926 · Scale 2, in force from 26 Feb 2026)