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$39,376
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,601
−HK$1,244/mo
Today · 4.125%
HK$41,845
baseline
▲ 0.50% · 4.625%
HK$44,391
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,690/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,805
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,980
−HK$1,192/mo
Today · 4.125%
HK$46,172
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,344/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,251
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,493/mo
Today · 4.125%
HK$50,214
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,428/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,566
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,976
−HK$1,430/mo
Today · 4.125%
HK$55,406
baseline
▲ 0.50% · 4.625%
HK$58,327
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,812/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,126
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,841
−HK$1,742/mo
Today · 4.125%
HK$58,583
baseline
▲ 0.50% · 4.625%
HK$62,148
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,166/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,327
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,669/mo
Today · 4.125%
HK$64,641
baseline
▲ 0.50% · 4.625%
HK$68,048
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,282/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,877
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$73,081
−HK$2,240/mo
Today · 4.125%
HK$75,321
baseline
▲ 0.50% · 4.625%
HK$79,904
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,642/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,849
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,964
−HK$2,145/mo
Today · 4.125%
HK$83,109
baseline
▲ 0.50% · 4.625%
HK$87,490
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,218/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,557 · Scale 2, in force from 26 Feb 2026)