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$39,352
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$40,576
−HK$1,244/mo
Today · 4.125%
HK$41,820
baseline
▲ 0.50% · 4.625%
HK$44,365
+HK$2,545/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,640/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,191/mo
Today · 4.125%
HK$46,144
baseline
▲ 0.50% · 4.625%
HK$48,576
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,288/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,223
−HK$2,961/mo
▼ 0.25% · 3.875%
HK$48,691
−HK$1,493/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$53,237
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,535
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$53,944
−HK$1,429/mo
Today · 4.125%
HK$55,373
baseline
▲ 0.50% · 4.625%
HK$58,292
+HK$2,919/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,746/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,093
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,807
−HK$1,741/mo
Today · 4.125%
HK$58,548
baseline
▲ 0.50% · 4.625%
HK$62,110
+HK$3,562/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,096/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,290
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,668/mo
Today · 4.125%
HK$64,602
baseline
▲ 0.50% · 4.625%
HK$68,007
+HK$3,405/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,204/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,834
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$73,037
−HK$2,239/mo
Today · 4.125%
HK$75,276
baseline
▲ 0.50% · 4.625%
HK$79,856
+HK$4,580/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,552/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,802
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$80,915
−HK$2,144/mo
Today · 4.125%
HK$83,059
baseline
▲ 0.50% · 4.625%
HK$87,438
+HK$4,379/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,118/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,167 · Scale 2, in force from 26 Feb 2026)