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$2,468/mo
▼ 0.25% · 3.875%
HK$40,586
−HK$1,244/mo
Today · 4.125%
HK$41,830
baseline
▲ 0.50% · 4.625%
HK$44,375
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,660/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,789
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,964
−HK$1,191/mo
Today · 4.125%
HK$46,155
baseline
▲ 0.50% · 4.625%
HK$48,588
+HK$2,433/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,310/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,234
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,493/mo
Today · 4.125%
HK$50,196
baseline
▲ 0.50% · 4.625%
HK$53,250
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$100,392/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,547
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$53,956
−HK$1,430/mo
Today · 4.125%
HK$55,386
baseline
▲ 0.50% · 4.625%
HK$58,306
+HK$2,920/mo
Deposit HK$6.90M · loan HK$10.36M · min. income ≈ HK$110,772/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,106
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,820
−HK$1,742/mo
Today · 4.125%
HK$58,562
baseline
▲ 0.50% · 4.625%
HK$62,125
+HK$3,563/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,124/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,305
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,949
−HK$1,668/mo
Today · 4.125%
HK$64,617
baseline
▲ 0.50% · 4.625%
HK$68,023
+HK$3,406/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,234/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,851
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$73,055
−HK$2,239/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,875
+HK$4,581/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,821
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,935
−HK$2,144/mo
Today · 4.125%
HK$83,079
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$4,379/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,158/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,322 · Scale 2, in force from 26 Feb 2026)