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$39,350
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,574
−HK$1,243/mo
Today · 4.125%
HK$41,817
baseline
▲ 0.50% · 4.625%
HK$44,362
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,634/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,776
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,950
−HK$1,191/mo
Today · 4.125%
HK$46,141
baseline
▲ 0.50% · 4.625%
HK$48,574
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,282/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,220
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,689
−HK$1,492/mo
Today · 4.125%
HK$50,181
baseline
▲ 0.50% · 4.625%
HK$53,234
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,362/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,532
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,940
−HK$1,430/mo
Today · 4.125%
HK$55,370
baseline
▲ 0.50% · 4.625%
HK$58,288
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,740/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,090
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,803
−HK$1,741/mo
Today · 4.125%
HK$58,544
baseline
▲ 0.50% · 4.625%
HK$62,107
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,088/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,287
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,930
−HK$1,668/mo
Today · 4.125%
HK$64,598
baseline
▲ 0.50% · 4.625%
HK$68,003
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,196/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,830
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,033
−HK$2,238/mo
Today · 4.125%
HK$75,271
baseline
▲ 0.50% · 4.625%
HK$79,851
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,542/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,797
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,911
−HK$2,143/mo
Today · 4.125%
HK$83,054
baseline
▲ 0.50% · 4.625%
HK$87,432
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,108/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,129 · Scale 2, in force from 26 Feb 2026)