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$39,414
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,640
−HK$1,246/mo
Today · 4.125%
HK$41,886
baseline
▲ 0.50% · 4.625%
HK$44,435
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,772/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,848
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,193/mo
Today · 4.125%
HK$46,217
baseline
▲ 0.50% · 4.625%
HK$48,653
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,434/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,297
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,495/mo
Today · 4.125%
HK$50,263
baseline
▲ 0.50% · 4.625%
HK$53,322
+HK$3,059/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,526/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,618
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,029
−HK$1,431/mo
Today · 4.125%
HK$55,460
baseline
▲ 0.50% · 4.625%
HK$58,384
+HK$2,924/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,920/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,180
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,744/mo
Today · 4.125%
HK$58,640
baseline
▲ 0.50% · 4.625%
HK$62,208
+HK$3,568/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,280/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,387
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,670/mo
Today · 4.125%
HK$64,704
baseline
▲ 0.50% · 4.625%
HK$68,114
+HK$3,410/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,408/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,946
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,153
−HK$2,242/mo
Today · 4.125%
HK$75,395
baseline
▲ 0.50% · 4.625%
HK$79,982
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,790/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,926
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,043
−HK$2,148/mo
Today · 4.125%
HK$83,191
baseline
▲ 0.50% · 4.625%
HK$87,576
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,382/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,190 · Scale 2, in force from 26 Feb 2026)