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$39,087
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$40,302
−HK$1,236/mo
Today · 4.125%
HK$41,538
baseline
▲ 0.50% · 4.625%
HK$44,065
+HK$2,527/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$83,076/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$44,650
−HK$1,183/mo
Today · 4.125%
HK$45,833
baseline
▲ 0.50% · 4.625%
HK$48,249
+HK$2,416/mo
Deposit HK$8.57M · loan HK$8.57M · min. income ≈ HK$91,666/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,904
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$48,363
−HK$1,482/mo
Today · 4.125%
HK$49,845
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$3,033/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$99,690/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,180
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$53,580
−HK$1,419/mo
Today · 4.125%
HK$54,999
baseline
▲ 0.50% · 4.625%
HK$57,898
+HK$2,899/mo
Deposit HK$6.86M · loan HK$10.28M · min. income ≈ HK$109,998/mo (50% DSR)
Upfront cash ≈ HK$7.50M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,721
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$56,423
−HK$1,730/mo
Today · 4.125%
HK$58,153
baseline
▲ 0.50% · 4.625%
HK$61,691
+HK$3,538/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$116,306/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,877
−HK$3,289/mo
▼ 0.25% · 3.875%
HK$62,510
−HK$1,656/mo
Today · 4.125%
HK$64,166
baseline
▲ 0.50% · 4.625%
HK$67,548
+HK$3,382/mo
Deposit HK$5.14M · loan HK$12.00M · min. income ≈ HK$128,332/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,356
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$2,224/mo
Today · 4.125%
HK$74,768
baseline
▲ 0.50% · 4.625%
HK$79,317
+HK$4,549/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$149,536/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,270
−HK$4,229/mo
▼ 0.25% · 3.875%
HK$80,369
−HK$2,130/mo
Today · 4.125%
HK$82,499
baseline
▲ 0.50% · 4.625%
HK$86,848
+HK$4,349/mo
Deposit HK$1.71M · loan HK$15.43M · min. income ≈ HK$164,998/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$642,800 · Scale 2, in force from 26 Feb 2026)