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$39,334
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,558
−HK$1,243/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,759
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,191/mo
Today · 4.125%
HK$46,123
baseline
▲ 0.50% · 4.625%
HK$48,554
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,246/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,201
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,669
−HK$1,492/mo
Today · 4.125%
HK$50,161
baseline
▲ 0.50% · 4.625%
HK$53,213
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,322/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,511
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,919
−HK$1,429/mo
Today · 4.125%
HK$55,348
baseline
▲ 0.50% · 4.625%
HK$58,265
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,696/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,068
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,781
−HK$1,740/mo
Today · 4.125%
HK$58,521
baseline
▲ 0.50% · 4.625%
HK$62,082
+HK$3,561/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,042/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,262
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,905
−HK$1,667/mo
Today · 4.125%
HK$64,572
baseline
▲ 0.50% · 4.625%
HK$67,976
+HK$3,404/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,144/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,802
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$73,004
−HK$2,237/mo
Today · 4.125%
HK$75,241
baseline
▲ 0.50% · 4.625%
HK$79,820
+HK$4,579/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,482/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,766
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,878
−HK$2,143/mo
Today · 4.125%
HK$83,021
baseline
▲ 0.50% · 4.625%
HK$87,398
+HK$4,377/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,042/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,871 · Scale 2, in force from 26 Feb 2026)