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$39,464
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,247/mo
Today · 4.125%
HK$41,939
baseline
▲ 0.50% · 4.625%
HK$44,491
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,878/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,903
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,081
−HK$1,194/mo
Today · 4.125%
HK$46,275
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,550/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,357
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,830
−HK$1,496/mo
Today · 4.125%
HK$50,326
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,652/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,684
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,097
−HK$1,433/mo
Today · 4.125%
HK$55,530
baseline
▲ 0.50% · 4.625%
HK$58,457
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,060/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,250
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,968
−HK$1,746/mo
Today · 4.125%
HK$58,714
baseline
▲ 0.50% · 4.625%
HK$62,287
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,428/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,465
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,113
−HK$1,672/mo
Today · 4.125%
HK$64,785
baseline
▲ 0.50% · 4.625%
HK$68,200
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,570/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,035
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,245
−HK$2,245/mo
Today · 4.125%
HK$75,490
baseline
▲ 0.50% · 4.625%
HK$80,083
+HK$4,593/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,980/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,026
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,145
−HK$2,150/mo
Today · 4.125%
HK$83,295
baseline
▲ 0.50% · 4.625%
HK$87,686
+HK$4,391/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,590/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,006 · Scale 2, in force from 26 Feb 2026)