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$39,390
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,245/mo
Today · 4.125%
HK$41,860
baseline
▲ 0.50% · 4.625%
HK$44,407
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,720/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,821
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,193/mo
Today · 4.125%
HK$46,189
baseline
▲ 0.50% · 4.625%
HK$48,623
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,378/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,268
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,494/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$53,289
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,585
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,996
−HK$1,430/mo
Today · 4.125%
HK$55,426
baseline
▲ 0.50% · 4.625%
HK$58,348
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,852/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,146
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,861
−HK$1,743/mo
Today · 4.125%
HK$58,604
baseline
▲ 0.50% · 4.625%
HK$62,170
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,208/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,995
−HK$1,669/mo
Today · 4.125%
HK$64,664
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,328/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,902
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,107
−HK$2,241/mo
Today · 4.125%
HK$75,348
baseline
▲ 0.50% · 4.625%
HK$79,933
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,696/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,878
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,993
−HK$2,146/mo
Today · 4.125%
HK$83,139
baseline
▲ 0.50% · 4.625%
HK$87,522
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,278/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,790 · Scale 2, in force from 26 Feb 2026)