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$39,417
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,246/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,438
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,851
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,027
−HK$1,193/mo
Today · 4.125%
HK$46,220
baseline
▲ 0.50% · 4.625%
HK$48,657
+HK$2,437/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,440/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,300
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,772
−HK$1,495/mo
Today · 4.125%
HK$50,267
baseline
▲ 0.50% · 4.625%
HK$53,325
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,534/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,621
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,033
−HK$1,431/mo
Today · 4.125%
HK$55,464
baseline
▲ 0.50% · 4.625%
HK$58,388
+HK$2,924/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,928/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,184
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,900
−HK$1,744/mo
Today · 4.125%
HK$58,644
baseline
▲ 0.50% · 4.625%
HK$62,213
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,288/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,392
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,038
−HK$1,670/mo
Today · 4.125%
HK$64,708
baseline
▲ 0.50% · 4.625%
HK$68,119
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,416/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,951
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,158
−HK$2,242/mo
Today · 4.125%
HK$75,400
baseline
▲ 0.50% · 4.625%
HK$79,988
+HK$4,588/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,800/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,932
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,049
−HK$2,147/mo
Today · 4.125%
HK$83,196
baseline
▲ 0.50% · 4.625%
HK$87,582
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,392/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,235 · Scale 2, in force from 26 Feb 2026)