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$39,385
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,244/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,401
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,192/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,364/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,493/mo
Today · 4.125%
HK$50,225
baseline
▲ 0.50% · 4.625%
HK$53,281
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,450/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,578
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,988
−HK$1,431/mo
Today · 4.125%
HK$55,419
baseline
▲ 0.50% · 4.625%
HK$58,340
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,838/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,854
−HK$1,742/mo
Today · 4.125%
HK$58,596
baseline
▲ 0.50% · 4.625%
HK$62,162
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,192/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,986
−HK$1,669/mo
Today · 4.125%
HK$64,655
baseline
▲ 0.50% · 4.625%
HK$68,063
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,310/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,892
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,098
−HK$2,240/mo
Today · 4.125%
HK$75,338
baseline
▲ 0.50% · 4.625%
HK$79,922
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,676/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,867
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,982
−HK$2,146/mo
Today · 4.125%
HK$83,128
baseline
▲ 0.50% · 4.625%
HK$87,510
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,256/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,702 · Scale 2, in force from 26 Feb 2026)