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$39,435
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,246/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,458
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,048
−HK$1,193/mo
Today · 4.125%
HK$46,241
baseline
▲ 0.50% · 4.625%
HK$48,679
+HK$2,438/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,482/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,496/mo
Today · 4.125%
HK$50,290
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$3,060/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,580/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,645
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,057
−HK$1,433/mo
Today · 4.125%
HK$55,490
baseline
▲ 0.50% · 4.625%
HK$58,415
+HK$2,925/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$110,980/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,209
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,744/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$62,241
+HK$3,570/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,420
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,067
−HK$1,671/mo
Today · 4.125%
HK$64,738
baseline
▲ 0.50% · 4.625%
HK$68,150
+HK$3,412/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,476/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,983
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,191
−HK$2,244/mo
Today · 4.125%
HK$75,435
baseline
▲ 0.50% · 4.625%
HK$80,025
+HK$4,590/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,870/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,968
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,086
−HK$2,149/mo
Today · 4.125%
HK$83,235
baseline
▲ 0.50% · 4.625%
HK$87,622
+HK$4,387/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,470/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,532 · Scale 2, in force from 26 Feb 2026)