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$39,317
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,540
−HK$1,243/mo
Today · 4.125%
HK$41,783
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,566/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,740
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,190/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,533
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,180
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,648
−HK$1,491/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$53,190
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,488
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,895
−HK$1,429/mo
Today · 4.125%
HK$55,324
baseline
▲ 0.50% · 4.625%
HK$58,240
+HK$2,916/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,648/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,044
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,756
−HK$1,740/mo
Today · 4.125%
HK$58,496
baseline
▲ 0.50% · 4.625%
HK$62,055
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,992/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,236
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,878
−HK$1,666/mo
Today · 4.125%
HK$64,544
baseline
▲ 0.50% · 4.625%
HK$67,946
+HK$3,402/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,088/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,771
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$72,972
−HK$2,237/mo
Today · 4.125%
HK$75,209
baseline
▲ 0.50% · 4.625%
HK$79,785
+HK$4,576/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,418/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,732
−HK$4,253/mo
▼ 0.25% · 3.875%
HK$80,843
−HK$2,142/mo
Today · 4.125%
HK$82,985
baseline
▲ 0.50% · 4.625%
HK$87,360
+HK$4,375/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,970/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,590 · Scale 2, in force from 26 Feb 2026)