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$39,379
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,603
−HK$1,245/mo
Today · 4.125%
HK$41,848
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,546/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$83,696/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,983
−HK$1,192/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,609
+HK$2,434/mo
Deposit HK$8.63M · loan HK$8.63M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,254
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,724
−HK$1,494/mo
Today · 4.125%
HK$50,218
baseline
▲ 0.50% · 4.625%
HK$53,273
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,436/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,570
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,980
−HK$1,430/mo
Today · 4.125%
HK$55,410
baseline
▲ 0.50% · 4.625%
HK$58,331
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,820/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,130
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,742/mo
Today · 4.125%
HK$58,587
baseline
▲ 0.50% · 4.625%
HK$62,152
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,174/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,332
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,976
−HK$1,669/mo
Today · 4.125%
HK$64,645
baseline
▲ 0.50% · 4.625%
HK$68,053
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,290/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,881
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,086
−HK$2,240/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,910
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,855
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,970
−HK$2,145/mo
Today · 4.125%
HK$83,115
baseline
▲ 0.50% · 4.625%
HK$87,496
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,230/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,602 · Scale 2, in force from 26 Feb 2026)