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$39,377
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,602
−HK$1,244/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,393
+HK$2,547/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,807
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,982
−HK$1,191/mo
Today · 4.125%
HK$46,173
baseline
▲ 0.50% · 4.625%
HK$48,607
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,346/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,253
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,722
−HK$1,494/mo
Today · 4.125%
HK$50,216
baseline
▲ 0.50% · 4.625%
HK$53,271
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,432/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,568
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,978
−HK$1,430/mo
Today · 4.125%
HK$55,408
baseline
▲ 0.50% · 4.625%
HK$58,329
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,816/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,128
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,843
−HK$1,742/mo
Today · 4.125%
HK$58,585
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,170/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,329
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,974
−HK$1,669/mo
Today · 4.125%
HK$64,643
baseline
▲ 0.50% · 4.625%
HK$68,050
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,286/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,879
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,084
−HK$2,240/mo
Today · 4.125%
HK$75,324
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,648/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,852
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,967
−HK$2,145/mo
Today · 4.125%
HK$83,112
baseline
▲ 0.50% · 4.625%
HK$87,493
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,224/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,579 · Scale 2, in force from 26 Feb 2026)