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$39,402
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,245/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,421
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,834
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,010
−HK$1,192/mo
Today · 4.125%
HK$46,202
baseline
▲ 0.50% · 4.625%
HK$48,638
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,404/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,282
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,494/mo
Today · 4.125%
HK$50,247
baseline
▲ 0.50% · 4.625%
HK$53,305
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,494/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,601
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,012
−HK$1,431/mo
Today · 4.125%
HK$55,443
baseline
▲ 0.50% · 4.625%
HK$58,365
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,886/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,163
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,743/mo
Today · 4.125%
HK$58,622
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,244/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,014
−HK$1,669/mo
Today · 4.125%
HK$64,683
baseline
▲ 0.50% · 4.625%
HK$68,093
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,366/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,923
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,130
−HK$2,241/mo
Today · 4.125%
HK$75,371
baseline
▲ 0.50% · 4.625%
HK$79,957
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,742/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,902
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,018
−HK$2,146/mo
Today · 4.125%
HK$83,164
baseline
▲ 0.50% · 4.625%
HK$87,548
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,328/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,985 · Scale 2, in force from 26 Feb 2026)