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$39,421
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,647
−HK$1,246/mo
Today · 4.125%
HK$41,893
baseline
▲ 0.50% · 4.625%
HK$44,442
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,786/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,855
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,031
−HK$1,194/mo
Today · 4.125%
HK$46,225
baseline
▲ 0.50% · 4.625%
HK$48,661
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,450/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,305
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,776
−HK$1,495/mo
Today · 4.125%
HK$50,271
baseline
▲ 0.50% · 4.625%
HK$53,330
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,542/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,626
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,038
−HK$1,431/mo
Today · 4.125%
HK$55,469
baseline
▲ 0.50% · 4.625%
HK$58,393
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,938/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,189
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,906
−HK$1,744/mo
Today · 4.125%
HK$58,650
baseline
▲ 0.50% · 4.625%
HK$62,219
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,300/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,397
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,044
−HK$1,670/mo
Today · 4.125%
HK$64,714
baseline
▲ 0.50% · 4.625%
HK$68,125
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,428/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,957
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,164
−HK$2,243/mo
Today · 4.125%
HK$75,407
baseline
▲ 0.50% · 4.625%
HK$79,995
+HK$4,588/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,814/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,939
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,056
−HK$2,148/mo
Today · 4.125%
HK$83,204
baseline
▲ 0.50% · 4.625%
HK$87,590
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,408/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,295 · Scale 2, in force from 26 Feb 2026)