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$39,355
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,579
−HK$1,244/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,368
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,782
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,957
−HK$1,191/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,580
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,226
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,695
−HK$1,493/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$53,242
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,539
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,948
−HK$1,429/mo
Today · 4.125%
HK$55,377
baseline
▲ 0.50% · 4.625%
HK$58,296
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,754/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,811
−HK$1,741/mo
Today · 4.125%
HK$58,552
baseline
▲ 0.50% · 4.625%
HK$62,115
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,104/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,295
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,939
−HK$1,668/mo
Today · 4.125%
HK$64,607
baseline
▲ 0.50% · 4.625%
HK$68,012
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,214/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,839
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,043
−HK$2,239/mo
Today · 4.125%
HK$75,282
baseline
▲ 0.50% · 4.625%
HK$79,862
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,564/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,808
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,922
−HK$2,144/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$87,444
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,218 · Scale 2, in force from 26 Feb 2026)