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$39,346
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,570
−HK$1,243/mo
Today · 4.125%
HK$41,813
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,626/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,772
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,946
−HK$1,191/mo
Today · 4.125%
HK$46,137
baseline
▲ 0.50% · 4.625%
HK$48,569
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,274/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,215
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,684
−HK$1,492/mo
Today · 4.125%
HK$50,176
baseline
▲ 0.50% · 4.625%
HK$53,229
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,352/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,526
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,935
−HK$1,429/mo
Today · 4.125%
HK$55,364
baseline
▲ 0.50% · 4.625%
HK$58,282
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,728/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,084
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,798
−HK$1,741/mo
Today · 4.125%
HK$58,539
baseline
▲ 0.50% · 4.625%
HK$62,100
+HK$3,561/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,078/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,281
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,924
−HK$1,667/mo
Today · 4.125%
HK$64,591
baseline
▲ 0.50% · 4.625%
HK$67,996
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,182/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,823
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,026
−HK$2,238/mo
Today · 4.125%
HK$75,264
baseline
▲ 0.50% · 4.625%
HK$79,843
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,528/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,789
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,903
−HK$2,143/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$87,424
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,064 · Scale 2, in force from 26 Feb 2026)