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$39,337
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,561
−HK$1,243/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,762
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,936
−HK$1,191/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,431/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,205
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,673
−HK$1,492/mo
Today · 4.125%
HK$50,165
baseline
▲ 0.50% · 4.625%
HK$53,217
+HK$3,052/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,330/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,515
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,923
−HK$1,429/mo
Today · 4.125%
HK$55,352
baseline
▲ 0.50% · 4.625%
HK$58,270
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,704/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,072
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,785
−HK$1,741/mo
Today · 4.125%
HK$58,526
baseline
▲ 0.50% · 4.625%
HK$62,087
+HK$3,561/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,052/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,267
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,910
−HK$1,667/mo
Today · 4.125%
HK$64,577
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,404/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,154/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,807
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,010
−HK$2,237/mo
Today · 4.125%
HK$75,247
baseline
▲ 0.50% · 4.625%
HK$79,826
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,494/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,772
−HK$4,256/mo
▼ 0.25% · 3.875%
HK$80,885
−HK$2,143/mo
Today · 4.125%
HK$83,028
baseline
▲ 0.50% · 4.625%
HK$87,405
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,056/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,923 · Scale 2, in force from 26 Feb 2026)