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$38,475
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$39,672
−HK$1,216/mo
Today · 4.125%
HK$40,888
baseline
▲ 0.50% · 4.625%
HK$43,376
+HK$2,488/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$81,776/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,804
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$43,952
−HK$1,164/mo
Today · 4.125%
HK$45,116
baseline
▲ 0.50% · 4.625%
HK$47,494
+HK$2,378/mo
Deposit HK$8.44M · loan HK$8.44M · min. income ≈ HK$90,232/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,171
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,607
−HK$1,459/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$52,051
+HK$2,985/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,364
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,742
−HK$1,397/mo
Today · 4.125%
HK$54,139
baseline
▲ 0.50% · 4.625%
HK$56,993
+HK$2,854/mo
Deposit HK$6.75M · loan HK$10.12M · min. income ≈ HK$108,278/mo (50% DSR)
Upfront cash ≈ HK$7.38M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,866
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,703/mo
Today · 4.125%
HK$57,244
baseline
▲ 0.50% · 4.625%
HK$60,727
+HK$3,483/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$114,488/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,925
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,532
−HK$1,631/mo
Today · 4.125%
HK$63,163
baseline
▲ 0.50% · 4.625%
HK$66,492
+HK$3,329/mo
Deposit HK$5.06M · loan HK$11.81M · min. income ≈ HK$126,326/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,256
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,410
−HK$2,189/mo
Today · 4.125%
HK$73,599
baseline
▲ 0.50% · 4.625%
HK$78,077
+HK$4,478/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$147,198/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,046
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,113
−HK$2,096/mo
Today · 4.125%
HK$81,209
baseline
▲ 0.50% · 4.625%
HK$85,490
+HK$4,281/mo
Deposit HK$1.69M · loan HK$15.19M · min. income ≈ HK$162,418/mo (50% DSR)
Upfront cash ≈ HK$2.32M (deposit + AVD stamp duty HK$632,750 · Scale 2, in force from 26 Feb 2026)