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$39,359
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,583
−HK$1,244/mo
Today · 4.125%
HK$41,827
baseline
▲ 0.50% · 4.625%
HK$44,372
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,654/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,786
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,961
−HK$1,191/mo
Today · 4.125%
HK$46,152
baseline
▲ 0.50% · 4.625%
HK$48,585
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,304/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,230
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,700
−HK$1,492/mo
Today · 4.125%
HK$50,192
baseline
▲ 0.50% · 4.625%
HK$53,246
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,384/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,543
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,953
−HK$1,429/mo
Today · 4.125%
HK$55,382
baseline
▲ 0.50% · 4.625%
HK$58,301
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,764/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,102
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,742/mo
Today · 4.125%
HK$58,558
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,116/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,301
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,945
−HK$1,668/mo
Today · 4.125%
HK$64,613
baseline
▲ 0.50% · 4.625%
HK$68,018
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,226/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,846
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,049
−HK$2,239/mo
Today · 4.125%
HK$75,288
baseline
▲ 0.50% · 4.625%
HK$79,869
+HK$4,581/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,576/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,815
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,929
−HK$2,144/mo
Today · 4.125%
HK$83,073
baseline
▲ 0.50% · 4.625%
HK$87,452
+HK$4,379/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,146/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,275 · Scale 2, in force from 26 Feb 2026)