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$39,373
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,598
−HK$1,245/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,389
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,803
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,192/mo
Today · 4.125%
HK$46,169
baseline
▲ 0.50% · 4.625%
HK$48,603
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,338/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,248
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,718
−HK$1,493/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,563
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,973
−HK$1,430/mo
Today · 4.125%
HK$55,403
baseline
▲ 0.50% · 4.625%
HK$58,323
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,806/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,123
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,837
−HK$1,743/mo
Today · 4.125%
HK$58,580
baseline
▲ 0.50% · 4.625%
HK$62,144
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,160/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,324
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,968
−HK$1,669/mo
Today · 4.125%
HK$64,637
baseline
▲ 0.50% · 4.625%
HK$68,044
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,274/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,872
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,077
−HK$2,240/mo
Today · 4.125%
HK$75,317
baseline
▲ 0.50% · 4.625%
HK$79,899
+HK$4,582/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,634/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,845
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,959
−HK$2,145/mo
Today · 4.125%
HK$83,104
baseline
▲ 0.50% · 4.625%
HK$87,485
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,208/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,518 · Scale 2, in force from 26 Feb 2026)