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$39,297
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,520
−HK$1,241/mo
Today · 4.125%
HK$41,761
baseline
▲ 0.50% · 4.625%
HK$44,303
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,522/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,718
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,890
−HK$1,190/mo
Today · 4.125%
HK$46,080
baseline
▲ 0.50% · 4.625%
HK$48,509
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,160/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,157
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,623
−HK$1,491/mo
Today · 4.125%
HK$50,114
baseline
▲ 0.50% · 4.625%
HK$53,163
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,228/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,461
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,868
−HK$1,428/mo
Today · 4.125%
HK$55,296
baseline
▲ 0.50% · 4.625%
HK$58,210
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,592/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,016
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,727
−HK$1,739/mo
Today · 4.125%
HK$58,466
baseline
▲ 0.50% · 4.625%
HK$62,024
+HK$3,558/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,932/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,205
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,846
−HK$1,666/mo
Today · 4.125%
HK$64,512
baseline
▲ 0.50% · 4.625%
HK$67,912
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,024/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,735
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$72,935
−HK$2,236/mo
Today · 4.125%
HK$75,171
baseline
▲ 0.50% · 4.625%
HK$79,745
+HK$4,574/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,342/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,692
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,802
−HK$2,141/mo
Today · 4.125%
HK$82,943
baseline
▲ 0.50% · 4.625%
HK$87,315
+HK$4,372/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,886/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,263 · Scale 2, in force from 26 Feb 2026)