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$39,293
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,515
−HK$1,242/mo
Today · 4.125%
HK$41,757
baseline
▲ 0.50% · 4.625%
HK$44,297
+HK$2,540/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$83,514/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,189/mo
Today · 4.125%
HK$46,074
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,429/mo
Deposit HK$8.62M · loan HK$8.62M · min. income ≈ HK$92,148/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,151
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,618
−HK$1,490/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$53,157
+HK$3,049/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,455
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,862
−HK$1,427/mo
Today · 4.125%
HK$55,289
baseline
▲ 0.50% · 4.625%
HK$58,204
+HK$2,915/mo
Deposit HK$6.89M · loan HK$10.34M · min. income ≈ HK$110,578/mo (50% DSR)
Upfront cash ≈ HK$7.54M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,010
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,738/mo
Today · 4.125%
HK$58,459
baseline
▲ 0.50% · 4.625%
HK$62,016
+HK$3,557/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$116,918/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,198
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,839
−HK$1,665/mo
Today · 4.125%
HK$64,504
baseline
▲ 0.50% · 4.625%
HK$67,904
+HK$3,400/mo
Deposit HK$5.17M · loan HK$12.06M · min. income ≈ HK$129,008/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,727
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$72,927
−HK$2,235/mo
Today · 4.125%
HK$75,162
baseline
▲ 0.50% · 4.625%
HK$79,735
+HK$4,573/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$150,324/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,683
−HK$4,251/mo
▼ 0.25% · 3.875%
HK$80,793
−HK$2,141/mo
Today · 4.125%
HK$82,934
baseline
▲ 0.50% · 4.625%
HK$87,305
+HK$4,371/mo
Deposit HK$1.72M · loan HK$15.51M · min. income ≈ HK$165,868/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$646,188 · Scale 2, in force from 26 Feb 2026)