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$39,341
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,565
−HK$1,243/mo
Today · 4.125%
HK$41,808
baseline
▲ 0.50% · 4.625%
HK$44,352
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,616/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,766
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,940
−HK$1,191/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,563
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,209
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,678
−HK$1,492/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$53,222
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,520
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,928
−HK$1,429/mo
Today · 4.125%
HK$55,357
baseline
▲ 0.50% · 4.625%
HK$58,275
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,714/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,077
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,740/mo
Today · 4.125%
HK$58,531
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,062/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,273
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,916
−HK$1,667/mo
Today · 4.125%
HK$64,583
baseline
▲ 0.50% · 4.625%
HK$67,988
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,166/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,814
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,017
−HK$2,237/mo
Today · 4.125%
HK$75,254
baseline
▲ 0.50% · 4.625%
HK$79,834
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,508/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,780
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,893
−HK$2,143/mo
Today · 4.125%
HK$83,036
baseline
▲ 0.50% · 4.625%
HK$87,413
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,072/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,984 · Scale 2, in force from 26 Feb 2026)