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$39,396
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,245/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,414
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,828
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,003
−HK$1,193/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$48,631
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,276
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,494/mo
Today · 4.125%
HK$50,240
baseline
▲ 0.50% · 4.625%
HK$53,297
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,480/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,594
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,004
−HK$1,431/mo
Today · 4.125%
HK$55,435
baseline
▲ 0.50% · 4.625%
HK$58,357
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,870/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,155
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,870
−HK$1,744/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$62,180
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,359
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,005
−HK$1,669/mo
Today · 4.125%
HK$64,674
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,348/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,913
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,119
−HK$2,241/mo
Today · 4.125%
HK$75,360
baseline
▲ 0.50% · 4.625%
HK$79,946
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,720/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,890
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,006
−HK$2,147/mo
Today · 4.125%
HK$83,153
baseline
▲ 0.50% · 4.625%
HK$87,536
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,306/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,893 · Scale 2, in force from 26 Feb 2026)