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$39,459
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,247/mo
Today · 4.125%
HK$41,934
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,868/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,075
−HK$1,195/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$48,709
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,351
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,824
−HK$1,496/mo
Today · 4.125%
HK$50,320
baseline
▲ 0.50% · 4.625%
HK$53,382
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,640/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,678
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,090
−HK$1,434/mo
Today · 4.125%
HK$55,524
baseline
▲ 0.50% · 4.625%
HK$58,450
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,048/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,243
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,961
−HK$1,746/mo
Today · 4.125%
HK$58,707
baseline
▲ 0.50% · 4.625%
HK$62,279
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,414/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,457
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,105
−HK$1,672/mo
Today · 4.125%
HK$64,777
baseline
▲ 0.50% · 4.625%
HK$68,192
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,554/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,027
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,236
−HK$2,244/mo
Today · 4.125%
HK$75,480
baseline
▲ 0.50% · 4.625%
HK$80,073
+HK$4,593/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,960/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,016
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,135
−HK$2,150/mo
Today · 4.125%
HK$83,285
baseline
▲ 0.50% · 4.625%
HK$87,675
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,570/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,927 · Scale 2, in force from 26 Feb 2026)