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$39,325
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$40,548
−HK$1,243/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,543/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,363/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,190/mo
Today · 4.125%
HK$46,112
baseline
▲ 0.50% · 4.625%
HK$48,543
+HK$2,431/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,224/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,190
−HK$2,959/mo
▼ 0.25% · 3.875%
HK$48,658
−HK$1,491/mo
Today · 4.125%
HK$50,149
baseline
▲ 0.50% · 4.625%
HK$53,201
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,298/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,499
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$53,907
−HK$1,428/mo
Today · 4.125%
HK$55,335
baseline
▲ 0.50% · 4.625%
HK$58,252
+HK$2,917/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,670/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,055
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,740/mo
Today · 4.125%
HK$58,508
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,560/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$117,016/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,248
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,891
−HK$1,666/mo
Today · 4.125%
HK$64,557
baseline
▲ 0.50% · 4.625%
HK$67,960
+HK$3,403/mo
Deposit HK$5.17M · loan HK$12.07M · min. income ≈ HK$129,114/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,785
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$72,987
−HK$2,237/mo
Today · 4.125%
HK$75,224
baseline
▲ 0.50% · 4.625%
HK$79,801
+HK$4,577/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$150,448/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,748
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$80,860
−HK$2,142/mo
Today · 4.125%
HK$83,002
baseline
▲ 0.50% · 4.625%
HK$87,378
+HK$4,376/mo
Deposit HK$1.72M · loan HK$15.52M · min. income ≈ HK$166,004/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,723 · Scale 2, in force from 26 Feb 2026)