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$39,274
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$40,495
−HK$1,242/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,539/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,692
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$44,863
−HK$1,189/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,480
+HK$2,428/mo
Deposit HK$8.61M · loan HK$8.61M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,128
−HK$2,956/mo
▼ 0.25% · 3.875%
HK$48,594
−HK$1,490/mo
Today · 4.125%
HK$50,084
baseline
▲ 0.50% · 4.625%
HK$53,131
+HK$3,047/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$100,168/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,430
−HK$2,833/mo
▼ 0.25% · 3.875%
HK$53,836
−HK$1,427/mo
Today · 4.125%
HK$55,263
baseline
▲ 0.50% · 4.625%
HK$58,176
+HK$2,913/mo
Deposit HK$6.89M · loan HK$10.33M · min. income ≈ HK$110,526/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,983
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,694
−HK$1,737/mo
Today · 4.125%
HK$58,431
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,556/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,862/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,664/mo
Today · 4.125%
HK$64,473
baseline
▲ 0.50% · 4.625%
HK$67,871
+HK$3,398/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$128,946/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,693
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$2,234/mo
Today · 4.125%
HK$75,126
baseline
▲ 0.50% · 4.625%
HK$79,697
+HK$4,571/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$150,252/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,645
−HK$4,249/mo
▼ 0.25% · 3.875%
HK$80,754
−HK$2,140/mo
Today · 4.125%
HK$82,894
baseline
▲ 0.50% · 4.625%
HK$87,263
+HK$4,369/mo
Deposit HK$1.72M · loan HK$15.50M · min. income ≈ HK$165,788/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$645,878 · Scale 2, in force from 26 Feb 2026)