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$39,351
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,575
−HK$1,243/mo
Today · 4.125%
HK$41,818
baseline
▲ 0.50% · 4.625%
HK$44,363
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,636/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$44,952
−HK$1,191/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,575
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,221
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,690
−HK$1,492/mo
Today · 4.125%
HK$50,182
baseline
▲ 0.50% · 4.625%
HK$53,236
+HK$3,054/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,364/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,533
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,942
−HK$1,429/mo
Today · 4.125%
HK$55,371
baseline
▲ 0.50% · 4.625%
HK$58,290
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,742/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,091
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,805
−HK$1,741/mo
Today · 4.125%
HK$58,546
baseline
▲ 0.50% · 4.625%
HK$62,108
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,092/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,288
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,932
−HK$1,668/mo
Today · 4.125%
HK$64,600
baseline
▲ 0.50% · 4.625%
HK$68,005
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,200/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,832
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$73,035
−HK$2,238/mo
Today · 4.125%
HK$75,273
baseline
▲ 0.50% · 4.625%
HK$79,853
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,546/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,799
−HK$4,258/mo
▼ 0.25% · 3.875%
HK$80,913
−HK$2,144/mo
Today · 4.125%
HK$83,057
baseline
▲ 0.50% · 4.625%
HK$87,435
+HK$4,378/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,114/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,145 · Scale 2, in force from 26 Feb 2026)