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$39,353
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,577
−HK$1,244/mo
Today · 4.125%
HK$41,821
baseline
▲ 0.50% · 4.625%
HK$44,366
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,642/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,780
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,954
−HK$1,191/mo
Today · 4.125%
HK$46,145
baseline
▲ 0.50% · 4.625%
HK$48,578
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,290/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,224
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,693
−HK$1,492/mo
Today · 4.125%
HK$50,185
baseline
▲ 0.50% · 4.625%
HK$53,239
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,370/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,536
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,945
−HK$1,429/mo
Today · 4.125%
HK$55,374
baseline
▲ 0.50% · 4.625%
HK$58,293
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,748/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,095
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,808
−HK$1,741/mo
Today · 4.125%
HK$58,549
baseline
▲ 0.50% · 4.625%
HK$62,112
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,098/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,292
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,936
−HK$1,668/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,009
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,836
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,039
−HK$2,239/mo
Today · 4.125%
HK$75,278
baseline
▲ 0.50% · 4.625%
HK$79,858
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,556/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,804
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,918
−HK$2,144/mo
Today · 4.125%
HK$83,062
baseline
▲ 0.50% · 4.625%
HK$87,440
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,124/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,185 · Scale 2, in force from 26 Feb 2026)