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$39,336
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,560
−HK$1,243/mo
Today · 4.125%
HK$41,803
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,543/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,606/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,190/mo
Today · 4.125%
HK$46,125
baseline
▲ 0.50% · 4.625%
HK$48,557
+HK$2,432/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,250/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,203
−HK$2,960/mo
▼ 0.25% · 3.875%
HK$48,672
−HK$1,491/mo
Today · 4.125%
HK$50,163
baseline
▲ 0.50% · 4.625%
HK$53,216
+HK$3,053/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$100,326/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,513
−HK$2,837/mo
▼ 0.25% · 3.875%
HK$53,922
−HK$1,428/mo
Today · 4.125%
HK$55,350
baseline
▲ 0.50% · 4.625%
HK$58,268
+HK$2,918/mo
Deposit HK$6.90M · loan HK$10.35M · min. income ≈ HK$110,700/mo (50% DSR)
Upfront cash ≈ HK$7.55M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,070
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,784
−HK$1,740/mo
Today · 4.125%
HK$58,524
baseline
▲ 0.50% · 4.625%
HK$62,085
+HK$3,561/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$117,048/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,265
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,908
−HK$1,667/mo
Today · 4.125%
HK$64,575
baseline
▲ 0.50% · 4.625%
HK$67,979
+HK$3,404/mo
Deposit HK$5.18M · loan HK$12.08M · min. income ≈ HK$129,150/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,805
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$73,007
−HK$2,238/mo
Today · 4.125%
HK$75,245
baseline
▲ 0.50% · 4.625%
HK$79,824
+HK$4,579/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$150,490/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,770
−HK$4,255/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,143/mo
Today · 4.125%
HK$83,025
baseline
▲ 0.50% · 4.625%
HK$87,402
+HK$4,377/mo
Deposit HK$1.73M · loan HK$15.53M · min. income ≈ HK$166,050/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,903 · Scale 2, in force from 26 Feb 2026)