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$39,267
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$40,488
−HK$1,241/mo
Today · 4.125%
HK$41,729
baseline
▲ 0.50% · 4.625%
HK$44,269
+HK$2,540/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,458/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,188/mo
Today · 4.125%
HK$46,044
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,427/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,088/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,120
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,586
−HK$1,489/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$53,122
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,421
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,827
−HK$1,426/mo
Today · 4.125%
HK$55,253
baseline
▲ 0.50% · 4.625%
HK$58,166
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,506/mo (50% DSR)
Upfront cash ≈ HK$7.53M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,974
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,684
−HK$1,737/mo
Today · 4.125%
HK$58,421
baseline
▲ 0.50% · 4.625%
HK$61,976
+HK$3,555/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$116,842/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,158
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,798
−HK$1,664/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$67,860
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.05M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,681
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$72,879
−HK$2,234/mo
Today · 4.125%
HK$75,113
baseline
▲ 0.50% · 4.625%
HK$79,683
+HK$4,570/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,226/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,632
−HK$4,248/mo
▼ 0.25% · 3.875%
HK$80,740
−HK$2,140/mo
Today · 4.125%
HK$82,880
baseline
▲ 0.50% · 4.625%
HK$87,248
+HK$4,368/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,760/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,767 · Scale 2, in force from 26 Feb 2026)