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$39,453
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,247/mo
Today · 4.125%
HK$41,927
baseline
▲ 0.50% · 4.625%
HK$44,478
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,854/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,891
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,068
−HK$1,194/mo
Today · 4.125%
HK$46,262
baseline
▲ 0.50% · 4.625%
HK$48,701
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,524/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,343
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,496/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,669
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,082
−HK$1,433/mo
Today · 4.125%
HK$55,515
baseline
▲ 0.50% · 4.625%
HK$58,441
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,030/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,234
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,746/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,571/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,672/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,015
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,224
−HK$2,244/mo
Today · 4.125%
HK$75,468
baseline
▲ 0.50% · 4.625%
HK$80,060
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,936/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,004
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,122
−HK$2,150/mo
Today · 4.125%
HK$83,272
baseline
▲ 0.50% · 4.625%
HK$87,661
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,544/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,823 · Scale 2, in force from 26 Feb 2026)