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$39,428
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,246/mo
Today · 4.125%
HK$41,900
baseline
▲ 0.50% · 4.625%
HK$44,450
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,800/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,039
−HK$1,194/mo
Today · 4.125%
HK$46,233
baseline
▲ 0.50% · 4.625%
HK$48,670
+HK$2,437/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,466/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,313
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,785
−HK$1,495/mo
Today · 4.125%
HK$50,280
baseline
▲ 0.50% · 4.625%
HK$53,339
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,560/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,635
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,047
−HK$1,432/mo
Today · 4.125%
HK$55,479
baseline
▲ 0.50% · 4.625%
HK$58,403
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,958/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,199
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,744/mo
Today · 4.125%
HK$58,660
baseline
▲ 0.50% · 4.625%
HK$62,229
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,320/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,408
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,055
−HK$1,671/mo
Today · 4.125%
HK$64,726
baseline
▲ 0.50% · 4.625%
HK$68,137
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,452/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,970
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,177
−HK$2,243/mo
Today · 4.125%
HK$75,420
baseline
▲ 0.50% · 4.625%
HK$80,009
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,840/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,953
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,070
−HK$2,149/mo
Today · 4.125%
HK$83,219
baseline
▲ 0.50% · 4.625%
HK$87,605
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,438/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,407 · Scale 2, in force from 26 Feb 2026)