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$39,328
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,551
−HK$1,243/mo
Today · 4.125%
HK$41,794
baseline
▲ 0.50% · 4.625%
HK$44,337
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,588/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,752
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,191/mo
Today · 4.125%
HK$46,116
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,232/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,194
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,662
−HK$1,491/mo
Today · 4.125%
HK$50,153
baseline
▲ 0.50% · 4.625%
HK$53,205
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,306/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,502
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,910
−HK$1,429/mo
Today · 4.125%
HK$55,339
baseline
▲ 0.50% · 4.625%
HK$58,256
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,678/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,059
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,772
−HK$1,740/mo
Today · 4.125%
HK$58,512
baseline
▲ 0.50% · 4.625%
HK$62,072
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,024/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,253
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,895
−HK$1,667/mo
Today · 4.125%
HK$64,562
baseline
▲ 0.50% · 4.625%
HK$67,965
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,124/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,790
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,992
−HK$2,237/mo
Today · 4.125%
HK$75,229
baseline
▲ 0.50% · 4.625%
HK$79,807
+HK$4,578/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,458/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,753
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,866
−HK$2,142/mo
Today · 4.125%
HK$83,008
baseline
▲ 0.50% · 4.625%
HK$87,384
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,016/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,769 · Scale 2, in force from 26 Feb 2026)