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$39,392
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,245/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,410
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,824
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,999
−HK$1,192/mo
Today · 4.125%
HK$46,191
baseline
▲ 0.50% · 4.625%
HK$48,626
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,382/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,271
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,741
−HK$1,494/mo
Today · 4.125%
HK$50,235
baseline
▲ 0.50% · 4.625%
HK$53,292
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,470/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,588
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$53,999
−HK$1,431/mo
Today · 4.125%
HK$55,430
baseline
▲ 0.50% · 4.625%
HK$58,351
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,860/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,149
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,743/mo
Today · 4.125%
HK$58,608
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,216/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,353
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,999
−HK$1,669/mo
Today · 4.125%
HK$64,668
baseline
▲ 0.50% · 4.625%
HK$68,077
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,336/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,906
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,112
−HK$2,241/mo
Today · 4.125%
HK$75,353
baseline
▲ 0.50% · 4.625%
HK$79,938
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,706/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,883
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,998
−HK$2,146/mo
Today · 4.125%
HK$83,144
baseline
▲ 0.50% · 4.625%
HK$87,527
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,288/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,830 · Scale 2, in force from 26 Feb 2026)