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$39,368
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,592
−HK$1,244/mo
Today · 4.125%
HK$41,836
baseline
▲ 0.50% · 4.625%
HK$44,382
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,672/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,796
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,191/mo
Today · 4.125%
HK$46,162
baseline
▲ 0.50% · 4.625%
HK$48,596
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,324/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,241
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,711
−HK$1,493/mo
Today · 4.125%
HK$50,204
baseline
▲ 0.50% · 4.625%
HK$53,259
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,408/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,555
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,965
−HK$1,430/mo
Today · 4.125%
HK$55,395
baseline
▲ 0.50% · 4.625%
HK$58,315
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,790/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,115
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,829
−HK$1,742/mo
Today · 4.125%
HK$58,571
baseline
▲ 0.50% · 4.625%
HK$62,135
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,142/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,315
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,959
−HK$1,668/mo
Today · 4.125%
HK$64,627
baseline
▲ 0.50% · 4.625%
HK$68,034
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,254/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,862
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,066
−HK$2,240/mo
Today · 4.125%
HK$75,306
baseline
▲ 0.50% · 4.625%
HK$79,888
+HK$4,582/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,612/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,833
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,948
−HK$2,144/mo
Today · 4.125%
HK$83,092
baseline
▲ 0.50% · 4.625%
HK$87,472
+HK$4,380/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,184/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,424 · Scale 2, in force from 26 Feb 2026)