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$39,408
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,246/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,428
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,017
−HK$1,193/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$48,646
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,290
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,761
−HK$1,495/mo
Today · 4.125%
HK$50,256
baseline
▲ 0.50% · 4.625%
HK$53,314
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,512/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,610
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,021
−HK$1,431/mo
Today · 4.125%
HK$55,452
baseline
▲ 0.50% · 4.625%
HK$58,375
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,904/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,172
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,744/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$62,199
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,378
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,670/mo
Today · 4.125%
HK$64,694
baseline
▲ 0.50% · 4.625%
HK$68,104
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,388/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,935
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,142
−HK$2,241/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,970
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,915
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,031
−HK$2,147/mo
Today · 4.125%
HK$83,178
baseline
▲ 0.50% · 4.625%
HK$87,563
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,356/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,092 · Scale 2, in force from 26 Feb 2026)