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$39,380
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,605
−HK$1,245/mo
Today · 4.125%
HK$41,850
baseline
▲ 0.50% · 4.625%
HK$44,396
+HK$2,546/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,700/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,810
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,192/mo
Today · 4.125%
HK$46,177
baseline
▲ 0.50% · 4.625%
HK$48,611
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,354/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,256
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,726
−HK$1,494/mo
Today · 4.125%
HK$50,220
baseline
▲ 0.50% · 4.625%
HK$53,275
+HK$3,055/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,440/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,572
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$53,982
−HK$1,430/mo
Today · 4.125%
HK$55,412
baseline
▲ 0.50% · 4.625%
HK$58,333
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,824/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,847
−HK$1,743/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$62,155
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,334
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,979
−HK$1,669/mo
Today · 4.125%
HK$64,648
baseline
▲ 0.50% · 4.625%
HK$68,056
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,296/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,884
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,089
−HK$2,241/mo
Today · 4.125%
HK$75,330
baseline
▲ 0.50% · 4.625%
HK$79,913
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,660/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,858
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,973
−HK$2,146/mo
Today · 4.125%
HK$83,119
baseline
▲ 0.50% · 4.625%
HK$87,500
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,238/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,629 · Scale 2, in force from 26 Feb 2026)