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$39,384
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,245/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$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,193/mo
Today · 4.125%
HK$46,182
baseline
▲ 0.50% · 4.625%
HK$48,616
+HK$2,434/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$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,261
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,494/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$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,577
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,431/mo
Today · 4.125%
HK$55,418
baseline
▲ 0.50% · 4.625%
HK$58,339
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,836/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,138
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,742/mo
Today · 4.125%
HK$58,595
baseline
▲ 0.50% · 4.625%
HK$62,161
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,190/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,340
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,985
−HK$1,669/mo
Today · 4.125%
HK$64,654
baseline
▲ 0.50% · 4.625%
HK$68,062
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,308/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,891
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,096
−HK$2,241/mo
Today · 4.125%
HK$75,337
baseline
▲ 0.50% · 4.625%
HK$79,921
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,674/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,866
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,981
−HK$2,146/mo
Today · 4.125%
HK$83,127
baseline
▲ 0.50% · 4.625%
HK$87,508
+HK$4,381/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,254/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,692 · Scale 2, in force from 26 Feb 2026)