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$39,382
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,245/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,399
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,813
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,988
−HK$1,192/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,614
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,259
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,493/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,431/mo
Today · 4.125%
HK$55,416
baseline
▲ 0.50% · 4.625%
HK$58,337
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,832/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,743/mo
Today · 4.125%
HK$58,593
baseline
▲ 0.50% · 4.625%
HK$62,158
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,186/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,338
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,983
−HK$1,668/mo
Today · 4.125%
HK$64,651
baseline
▲ 0.50% · 4.625%
HK$68,059
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,302/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,888
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,093
−HK$2,241/mo
Today · 4.125%
HK$75,334
baseline
▲ 0.50% · 4.625%
HK$79,918
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,668/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$80,978
−HK$2,145/mo
Today · 4.125%
HK$83,123
baseline
▲ 0.50% · 4.625%
HK$87,505
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,246/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,665 · Scale 2, in force from 26 Feb 2026)