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$39,367
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,591
−HK$1,244/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,795
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,191/mo
Today · 4.125%
HK$46,161
baseline
▲ 0.50% · 4.625%
HK$48,594
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,322/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,240
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,709
−HK$1,493/mo
Today · 4.125%
HK$50,202
baseline
▲ 0.50% · 4.625%
HK$53,257
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,404/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,554
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,963
−HK$1,430/mo
Today · 4.125%
HK$55,393
baseline
▲ 0.50% · 4.625%
HK$58,313
+HK$2,920/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,786/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,113
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,828
−HK$1,741/mo
Today · 4.125%
HK$58,569
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,564/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,138/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,313
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,957
−HK$1,669/mo
Today · 4.125%
HK$64,626
baseline
▲ 0.50% · 4.625%
HK$68,032
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,252/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,860
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,064
−HK$2,239/mo
Today · 4.125%
HK$75,303
baseline
▲ 0.50% · 4.625%
HK$79,886
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,606/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,831
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,945
−HK$2,145/mo
Today · 4.125%
HK$83,090
baseline
▲ 0.50% · 4.625%
HK$87,470
+HK$4,380/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,180/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,405 · Scale 2, in force from 26 Feb 2026)