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$39,362
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,244/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,376
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,790
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,965
−HK$1,191/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,589
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,235
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,704
−HK$1,493/mo
Today · 4.125%
HK$50,197
baseline
▲ 0.50% · 4.625%
HK$53,251
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,394/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,548
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,957
−HK$1,430/mo
Today · 4.125%
HK$55,387
baseline
▲ 0.50% · 4.625%
HK$58,307
+HK$2,920/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,774/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,107
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,821
−HK$1,742/mo
Today · 4.125%
HK$58,563
baseline
▲ 0.50% · 4.625%
HK$62,126
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,126/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,306
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,950
−HK$1,668/mo
Today · 4.125%
HK$64,618
baseline
▲ 0.50% · 4.625%
HK$68,024
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,236/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,852
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,056
−HK$2,239/mo
Today · 4.125%
HK$75,295
baseline
▲ 0.50% · 4.625%
HK$79,877
+HK$4,582/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,590/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,822
−HK$4,259/mo
▼ 0.25% · 3.875%
HK$80,936
−HK$2,145/mo
Today · 4.125%
HK$83,081
baseline
▲ 0.50% · 4.625%
HK$87,460
+HK$4,379/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,162/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,333 · Scale 2, in force from 26 Feb 2026)