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$39,456
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,684
−HK$1,246/mo
Today · 4.125%
HK$41,930
baseline
▲ 0.50% · 4.625%
HK$44,482
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,860/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,895
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,194/mo
Today · 4.125%
HK$46,266
baseline
▲ 0.50% · 4.625%
HK$48,705
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,532/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,347
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,820
−HK$1,497/mo
Today · 4.125%
HK$50,317
baseline
▲ 0.50% · 4.625%
HK$53,378
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,634/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,674
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,086
−HK$1,433/mo
Today · 4.125%
HK$55,519
baseline
▲ 0.50% · 4.625%
HK$58,446
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,038/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,239
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,957
−HK$1,746/mo
Today · 4.125%
HK$58,703
baseline
▲ 0.50% · 4.625%
HK$62,275
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,406/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,453
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,101
−HK$1,672/mo
Today · 4.125%
HK$64,773
baseline
▲ 0.50% · 4.625%
HK$68,187
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,546/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,021
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,230
−HK$2,245/mo
Today · 4.125%
HK$75,475
baseline
▲ 0.50% · 4.625%
HK$80,067
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,950/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,010
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,129
−HK$2,150/mo
Today · 4.125%
HK$83,279
baseline
▲ 0.50% · 4.625%
HK$87,669
+HK$4,390/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,558/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,879 · Scale 2, in force from 26 Feb 2026)