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$39,275
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,497
−HK$1,241/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$44,277
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,693
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,189/mo
Today · 4.125%
HK$46,054
baseline
▲ 0.50% · 4.625%
HK$48,481
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,108/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,130
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,596
−HK$1,489/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$53,133
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,432
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,838
−HK$1,426/mo
Today · 4.125%
HK$55,264
baseline
▲ 0.50% · 4.625%
HK$58,177
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,528/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,985
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,695
−HK$1,738/mo
Today · 4.125%
HK$58,433
baseline
▲ 0.50% · 4.625%
HK$61,988
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,866/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,170
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,811
−HK$1,664/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$67,874
+HK$3,399/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,695
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,894
−HK$2,234/mo
Today · 4.125%
HK$75,128
baseline
▲ 0.50% · 4.625%
HK$79,699
+HK$4,571/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,256/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,647
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,757
−HK$2,139/mo
Today · 4.125%
HK$82,896
baseline
▲ 0.50% · 4.625%
HK$87,266
+HK$4,370/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,792/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,897 · Scale 2, in force from 26 Feb 2026)