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$39,348
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,243/mo
Today · 4.125%
HK$41,815
baseline
▲ 0.50% · 4.625%
HK$44,360
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,630/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,774
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,191/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,571
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,218
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,686
−HK$1,492/mo
Today · 4.125%
HK$50,178
baseline
▲ 0.50% · 4.625%
HK$53,232
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,356/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,529
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,938
−HK$1,429/mo
Today · 4.125%
HK$55,367
baseline
▲ 0.50% · 4.625%
HK$58,285
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,734/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,087
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,801
−HK$1,741/mo
Today · 4.125%
HK$58,542
baseline
▲ 0.50% · 4.625%
HK$62,104
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,084/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,284
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,927
−HK$1,668/mo
Today · 4.125%
HK$64,595
baseline
▲ 0.50% · 4.625%
HK$68,000
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,190/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,826
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,029
−HK$2,239/mo
Today · 4.125%
HK$75,268
baseline
▲ 0.50% · 4.625%
HK$79,848
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,536/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,794
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,907
−HK$2,144/mo
Today · 4.125%
HK$83,051
baseline
▲ 0.50% · 4.625%
HK$87,428
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,102/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,098 · Scale 2, in force from 26 Feb 2026)