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$39,288
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,510
−HK$1,242/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$44,292
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,707
−HK$2,362/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,189/mo
Today · 4.125%
HK$46,069
baseline
▲ 0.50% · 4.625%
HK$48,497
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,138/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,145
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,612
−HK$1,490/mo
Today · 4.125%
HK$50,102
baseline
▲ 0.50% · 4.625%
HK$53,150
+HK$3,048/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,204/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,449
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,855
−HK$1,427/mo
Today · 4.125%
HK$55,282
baseline
▲ 0.50% · 4.625%
HK$58,196
+HK$2,914/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,564/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,003
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,714
−HK$1,738/mo
Today · 4.125%
HK$58,452
baseline
▲ 0.50% · 4.625%
HK$62,009
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,904/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,190
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,831
−HK$1,665/mo
Today · 4.125%
HK$64,496
baseline
▲ 0.50% · 4.625%
HK$67,896
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,992/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,718
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,918
−HK$2,235/mo
Today · 4.125%
HK$75,153
baseline
▲ 0.50% · 4.625%
HK$79,726
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,306/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,673
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,783
−HK$2,141/mo
Today · 4.125%
HK$82,924
baseline
▲ 0.50% · 4.625%
HK$87,295
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,848/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,110 · Scale 2, in force from 26 Feb 2026)