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$39,457
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,246/mo
Today · 4.125%
HK$41,931
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,862/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,896
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,194/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$48,706
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,349
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,821
−HK$1,497/mo
Today · 4.125%
HK$50,318
baseline
▲ 0.50% · 4.625%
HK$53,379
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,636/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,675
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,088
−HK$1,433/mo
Today · 4.125%
HK$55,521
baseline
▲ 0.50% · 4.625%
HK$58,447
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,042/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,240
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,958
−HK$1,746/mo
Today · 4.125%
HK$58,704
baseline
▲ 0.50% · 4.625%
HK$62,276
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,408/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,454
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,102
−HK$1,672/mo
Today · 4.125%
HK$64,774
baseline
▲ 0.50% · 4.625%
HK$68,188
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,548/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,023
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,232
−HK$2,245/mo
Today · 4.125%
HK$75,477
baseline
▲ 0.50% · 4.625%
HK$80,069
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,954/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,012
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,131
−HK$2,150/mo
Today · 4.125%
HK$83,281
baseline
▲ 0.50% · 4.625%
HK$87,671
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,562/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,894 · Scale 2, in force from 26 Feb 2026)