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$39,455
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,247/mo
Today · 4.125%
HK$41,929
baseline
▲ 0.50% · 4.625%
HK$44,480
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,858/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,893
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,194/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$48,703
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,345
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,818
−HK$1,496/mo
Today · 4.125%
HK$50,314
baseline
▲ 0.50% · 4.625%
HK$53,376
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,628/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,671
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,084
−HK$1,433/mo
Today · 4.125%
HK$55,517
baseline
▲ 0.50% · 4.625%
HK$58,443
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,034/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,236
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,954
−HK$1,746/mo
Today · 4.125%
HK$58,700
baseline
▲ 0.50% · 4.625%
HK$62,272
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,400/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,450
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,098
−HK$1,672/mo
Today · 4.125%
HK$64,770
baseline
▲ 0.50% · 4.625%
HK$68,184
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,540/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,018
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,227
−HK$2,245/mo
Today · 4.125%
HK$75,472
baseline
▲ 0.50% · 4.625%
HK$80,064
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,944/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,007
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,126
−HK$2,149/mo
Today · 4.125%
HK$83,275
baseline
▲ 0.50% · 4.625%
HK$87,665
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,550/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,850 · Scale 2, in force from 26 Feb 2026)