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$39,403
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,629
−HK$1,245/mo
Today · 4.125%
HK$41,874
baseline
▲ 0.50% · 4.625%
HK$44,422
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,748/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,836
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,011
−HK$1,193/mo
Today · 4.125%
HK$46,204
baseline
▲ 0.50% · 4.625%
HK$48,639
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,408/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,284
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,495/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$53,306
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,603
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,013
−HK$1,432/mo
Today · 4.125%
HK$55,445
baseline
▲ 0.50% · 4.625%
HK$58,367
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,890/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,164
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,744/mo
Today · 4.125%
HK$58,624
baseline
▲ 0.50% · 4.625%
HK$62,191
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,248/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,370
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,016
−HK$1,669/mo
Today · 4.125%
HK$64,685
baseline
▲ 0.50% · 4.625%
HK$68,095
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,370/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,926
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,132
−HK$2,241/mo
Today · 4.125%
HK$75,373
baseline
▲ 0.50% · 4.625%
HK$79,959
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,746/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,904
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,020
−HK$2,147/mo
Today · 4.125%
HK$83,167
baseline
▲ 0.50% · 4.625%
HK$87,551
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,334/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,004 · Scale 2, in force from 26 Feb 2026)