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$39,354
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,578
−HK$1,243/mo
Today · 4.125%
HK$41,821
baseline
▲ 0.50% · 4.625%
HK$44,366
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,642/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,191/mo
Today · 4.125%
HK$46,146
baseline
▲ 0.50% · 4.625%
HK$48,578
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,292/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,224
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,693
−HK$1,493/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$53,239
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,537
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,946
−HK$1,429/mo
Today · 4.125%
HK$55,375
baseline
▲ 0.50% · 4.625%
HK$58,294
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,750/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,095
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,741/mo
Today · 4.125%
HK$58,550
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,100/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,293
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,937
−HK$1,667/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,010
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,837
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,040
−HK$2,239/mo
Today · 4.125%
HK$75,279
baseline
▲ 0.50% · 4.625%
HK$79,859
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,558/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,805
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,919
−HK$2,144/mo
Today · 4.125%
HK$83,063
baseline
▲ 0.50% · 4.625%
HK$87,441
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,126/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,192 · Scale 2, in force from 26 Feb 2026)