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$39,144
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$40,362
−HK$1,237/mo
Today · 4.125%
HK$41,599
baseline
▲ 0.50% · 4.625%
HK$44,130
+HK$2,531/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$83,198/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,184/mo
Today · 4.125%
HK$45,900
baseline
▲ 0.50% · 4.625%
HK$48,320
+HK$2,420/mo
Deposit HK$8.58M · loan HK$8.58M · min. income ≈ HK$91,800/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,973
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$48,434
−HK$1,485/mo
Today · 4.125%
HK$49,919
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$3,037/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$99,838/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,257
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,659
−HK$1,422/mo
Today · 4.125%
HK$55,081
baseline
▲ 0.50% · 4.625%
HK$57,984
+HK$2,903/mo
Deposit HK$6.87M · loan HK$10.30M · min. income ≈ HK$110,162/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,802
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,732/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,782
+HK$3,543/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,659/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$67,648
+HK$3,387/mo
Deposit HK$5.15M · loan HK$12.02M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,460
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$2,226/mo
Today · 4.125%
HK$74,878
baseline
▲ 0.50% · 4.625%
HK$79,435
+HK$4,557/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$149,756/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,386
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,488
−HK$2,133/mo
Today · 4.125%
HK$82,621
baseline
▲ 0.50% · 4.625%
HK$86,976
+HK$4,355/mo
Deposit HK$1.72M · loan HK$15.45M · min. income ≈ HK$165,242/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$643,750 · Scale 2, in force from 26 Feb 2026)