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$39,305
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,242/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$44,312
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,727
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,189/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,167
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,634
−HK$1,490/mo
Today · 4.125%
HK$50,124
baseline
▲ 0.50% · 4.625%
HK$53,174
+HK$3,050/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,248/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,472
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,880
−HK$1,427/mo
Today · 4.125%
HK$55,307
baseline
▲ 0.50% · 4.625%
HK$58,222
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,614/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,739/mo
Today · 4.125%
HK$58,478
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,956/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,218
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,859
−HK$1,666/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$67,926
+HK$3,401/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,750
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,950
−HK$2,236/mo
Today · 4.125%
HK$75,186
baseline
▲ 0.50% · 4.625%
HK$79,761
+HK$4,575/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,372/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,708
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,142/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$87,334
+HK$4,373/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,399 · Scale 2, in force from 26 Feb 2026)