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$39,386
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,611
−HK$1,245/mo
Today · 4.125%
HK$41,856
baseline
▲ 0.50% · 4.625%
HK$44,403
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,712/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,817
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,992
−HK$1,192/mo
Today · 4.125%
HK$46,184
baseline
▲ 0.50% · 4.625%
HK$48,618
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,368/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,263
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,494/mo
Today · 4.125%
HK$50,227
baseline
▲ 0.50% · 4.625%
HK$53,283
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,454/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,990
−HK$1,431/mo
Today · 4.125%
HK$55,421
baseline
▲ 0.50% · 4.625%
HK$58,342
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,842/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,141
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,856
−HK$1,742/mo
Today · 4.125%
HK$58,598
baseline
▲ 0.50% · 4.625%
HK$62,164
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,196/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,343
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,989
−HK$1,669/mo
Today · 4.125%
HK$64,658
baseline
▲ 0.50% · 4.625%
HK$68,066
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,316/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,895
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$2,241/mo
Today · 4.125%
HK$75,341
baseline
▲ 0.50% · 4.625%
HK$79,925
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,682/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,870
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,985
−HK$2,146/mo
Today · 4.125%
HK$83,131
baseline
▲ 0.50% · 4.625%
HK$87,513
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,262/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,726 · Scale 2, in force from 26 Feb 2026)