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$39,356
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,580
−HK$1,244/mo
Today · 4.125%
HK$41,824
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,544/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,648/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,783
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,957
−HK$1,191/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,581
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,227
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,492/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$53,242
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,539
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,948
−HK$1,430/mo
Today · 4.125%
HK$55,378
baseline
▲ 0.50% · 4.625%
HK$58,297
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,756/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,098
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,812
−HK$1,741/mo
Today · 4.125%
HK$58,553
baseline
▲ 0.50% · 4.625%
HK$62,116
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,106/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,296
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,940
−HK$1,667/mo
Today · 4.125%
HK$64,607
baseline
▲ 0.50% · 4.625%
HK$68,013
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,214/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,840
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,044
−HK$2,238/mo
Today · 4.125%
HK$75,282
baseline
▲ 0.50% · 4.625%
HK$79,863
+HK$4,581/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,564/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,809
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,922
−HK$2,145/mo
Today · 4.125%
HK$83,067
baseline
▲ 0.50% · 4.625%
HK$87,445
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,134/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,223 · Scale 2, in force from 26 Feb 2026)