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$39,351
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,575
−HK$1,244/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,364
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,778
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,191/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,575
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,222
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,493/mo
Today · 4.125%
HK$50,183
baseline
▲ 0.50% · 4.625%
HK$53,236
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,366/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,534
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,942
−HK$1,430/mo
Today · 4.125%
HK$55,372
baseline
▲ 0.50% · 4.625%
HK$58,290
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,744/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,092
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,806
−HK$1,741/mo
Today · 4.125%
HK$58,547
baseline
▲ 0.50% · 4.625%
HK$62,109
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,094/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,289
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,933
−HK$1,667/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,006
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,832
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,036
−HK$2,238/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,800
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,914
−HK$2,144/mo
Today · 4.125%
HK$83,058
baseline
▲ 0.50% · 4.625%
HK$87,436
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,116/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,153 · Scale 2, in force from 26 Feb 2026)