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$39,372
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,596
−HK$1,245/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,387
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,975
−HK$1,192/mo
Today · 4.125%
HK$46,167
baseline
▲ 0.50% · 4.625%
HK$48,601
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,334/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,246
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,716
−HK$1,493/mo
Today · 4.125%
HK$50,209
baseline
▲ 0.50% · 4.625%
HK$53,264
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,418/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,561
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,970
−HK$1,430/mo
Today · 4.125%
HK$55,400
baseline
▲ 0.50% · 4.625%
HK$58,321
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,800/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,120
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,835
−HK$1,742/mo
Today · 4.125%
HK$58,577
baseline
▲ 0.50% · 4.625%
HK$62,141
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,154/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,321
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,965
−HK$1,669/mo
Today · 4.125%
HK$64,634
baseline
▲ 0.50% · 4.625%
HK$68,041
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,268/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,869
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,073
−HK$2,240/mo
Today · 4.125%
HK$75,313
baseline
▲ 0.50% · 4.625%
HK$79,896
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,626/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,841
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,956
−HK$2,145/mo
Today · 4.125%
HK$83,101
baseline
▲ 0.50% · 4.625%
HK$87,481
+HK$4,380/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,202/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,488 · Scale 2, in force from 26 Feb 2026)