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$39,315
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$40,538
−HK$1,242/mo
Today · 4.125%
HK$41,780
baseline
▲ 0.50% · 4.625%
HK$44,322
+HK$2,542/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,560/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,737
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,910
−HK$1,190/mo
Today · 4.125%
HK$46,100
baseline
▲ 0.50% · 4.625%
HK$48,530
+HK$2,430/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,200/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,178
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$48,645
−HK$1,491/mo
Today · 4.125%
HK$50,136
baseline
▲ 0.50% · 4.625%
HK$53,187
+HK$3,051/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$100,272/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,485
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$53,893
−HK$1,427/mo
Today · 4.125%
HK$55,320
baseline
▲ 0.50% · 4.625%
HK$58,237
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.34M · min. income ≈ HK$110,640/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,041
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,753
−HK$1,739/mo
Today · 4.125%
HK$58,492
baseline
▲ 0.50% · 4.625%
HK$62,051
+HK$3,559/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$116,984/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,232
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,875
−HK$1,666/mo
Today · 4.125%
HK$64,541
baseline
▲ 0.50% · 4.625%
HK$67,943
+HK$3,402/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,082/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,767
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$72,968
−HK$2,236/mo
Today · 4.125%
HK$75,204
baseline
▲ 0.50% · 4.625%
HK$79,780
+HK$4,576/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,408/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,727
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,839
−HK$2,142/mo
Today · 4.125%
HK$82,981
baseline
▲ 0.50% · 4.625%
HK$87,355
+HK$4,374/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$165,962/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,554 · Scale 2, in force from 26 Feb 2026)