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$39,366
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,590
−HK$1,245/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,380
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,794
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,969
−HK$1,191/mo
Today · 4.125%
HK$46,160
baseline
▲ 0.50% · 4.625%
HK$48,593
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,320/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,239
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,709
−HK$1,492/mo
Today · 4.125%
HK$50,201
baseline
▲ 0.50% · 4.625%
HK$53,256
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,402/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,553
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,962
−HK$1,430/mo
Today · 4.125%
HK$55,392
baseline
▲ 0.50% · 4.625%
HK$58,312
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,784/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,112
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,827
−HK$1,741/mo
Today · 4.125%
HK$58,568
baseline
▲ 0.50% · 4.625%
HK$62,132
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,136/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,312
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,956
−HK$1,668/mo
Today · 4.125%
HK$64,624
baseline
▲ 0.50% · 4.625%
HK$68,031
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,248/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,859
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,063
−HK$2,239/mo
Today · 4.125%
HK$75,302
baseline
▲ 0.50% · 4.625%
HK$79,884
+HK$4,582/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,604/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,830
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,944
−HK$2,144/mo
Today · 4.125%
HK$83,088
baseline
▲ 0.50% · 4.625%
HK$87,468
+HK$4,380/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,176/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,394 · Scale 2, in force from 26 Feb 2026)