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$39,272
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,494
−HK$1,241/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$44,274
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,690
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,862
−HK$1,188/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,478
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,127
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,592
−HK$1,490/mo
Today · 4.125%
HK$50,082
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,164/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,428
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,834
−HK$1,426/mo
Today · 4.125%
HK$55,260
baseline
▲ 0.50% · 4.625%
HK$58,173
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,520/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,981
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,691
−HK$1,738/mo
Today · 4.125%
HK$58,429
baseline
▲ 0.50% · 4.625%
HK$61,984
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,858/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,166
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,806
−HK$1,664/mo
Today · 4.125%
HK$64,470
baseline
▲ 0.50% · 4.625%
HK$67,869
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,940/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,690
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,889
−HK$2,234/mo
Today · 4.125%
HK$75,123
baseline
▲ 0.50% · 4.625%
HK$79,694
+HK$4,571/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,246/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,642
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,751
−HK$2,139/mo
Today · 4.125%
HK$82,890
baseline
▲ 0.50% · 4.625%
HK$87,260
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,780/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,851 · Scale 2, in force from 26 Feb 2026)