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$39,432
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,659
−HK$1,246/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,455
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,194/mo
Today · 4.125%
HK$46,238
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,437/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,476/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,318
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,790
−HK$1,496/mo
Today · 4.125%
HK$50,286
baseline
▲ 0.50% · 4.625%
HK$53,345
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,572/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,641
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,053
−HK$1,432/mo
Today · 4.125%
HK$55,485
baseline
▲ 0.50% · 4.625%
HK$58,410
+HK$2,925/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$110,970/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,205
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,922
−HK$1,745/mo
Today · 4.125%
HK$58,667
baseline
▲ 0.50% · 4.625%
HK$62,236
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,334/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,415
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,062
−HK$1,671/mo
Today · 4.125%
HK$64,733
baseline
▲ 0.50% · 4.625%
HK$68,145
+HK$3,412/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,466/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,978
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,185
−HK$2,244/mo
Today · 4.125%
HK$75,429
baseline
▲ 0.50% · 4.625%
HK$80,018
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,858/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,962
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,080
−HK$2,148/mo
Today · 4.125%
HK$83,228
baseline
▲ 0.50% · 4.625%
HK$87,615
+HK$4,387/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,456/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,481 · Scale 2, in force from 26 Feb 2026)