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$39,373
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,597
−HK$1,245/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,388
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,802
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,977
−HK$1,191/mo
Today · 4.125%
HK$46,168
baseline
▲ 0.50% · 4.625%
HK$48,602
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,336/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,247
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,493/mo
Today · 4.125%
HK$50,210
baseline
▲ 0.50% · 4.625%
HK$53,265
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,420/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,562
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,972
−HK$1,430/mo
Today · 4.125%
HK$55,402
baseline
▲ 0.50% · 4.625%
HK$58,322
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,804/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,122
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,836
−HK$1,742/mo
Today · 4.125%
HK$58,578
baseline
▲ 0.50% · 4.625%
HK$62,143
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,156/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,323
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,967
−HK$1,669/mo
Today · 4.125%
HK$64,636
baseline
▲ 0.50% · 4.625%
HK$68,043
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,272/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,871
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,075
−HK$2,240/mo
Today · 4.125%
HK$75,315
baseline
▲ 0.50% · 4.625%
HK$79,898
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,630/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,843
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,958
−HK$2,145/mo
Today · 4.125%
HK$83,103
baseline
▲ 0.50% · 4.625%
HK$87,483
+HK$4,380/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,206/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,506 · Scale 2, in force from 26 Feb 2026)