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$39,462
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,248/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,488
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,901
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,195/mo
Today · 4.125%
HK$46,273
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,546/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,354
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,497/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$53,386
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,681
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,094
−HK$1,433/mo
Today · 4.125%
HK$55,527
baseline
▲ 0.50% · 4.625%
HK$58,454
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,054/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,247
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,965
−HK$1,746/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$62,284
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,461
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,110
−HK$1,672/mo
Today · 4.125%
HK$64,782
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,564/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,032
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,241
−HK$2,245/mo
Today · 4.125%
HK$75,486
baseline
▲ 0.50% · 4.625%
HK$80,079
+HK$4,593/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,972/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,022
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,141
−HK$2,150/mo
Today · 4.125%
HK$83,291
baseline
▲ 0.50% · 4.625%
HK$87,682
+HK$4,391/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,582/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,973 · Scale 2, in force from 26 Feb 2026)