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$39,425
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,246/mo
Today · 4.125%
HK$41,898
baseline
▲ 0.50% · 4.625%
HK$44,447
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,796/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,860
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,193/mo
Today · 4.125%
HK$46,230
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,437/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,460/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,310
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,782
−HK$1,495/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,632
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,044
−HK$1,432/mo
Today · 4.125%
HK$55,476
baseline
▲ 0.50% · 4.625%
HK$58,400
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,952/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,195
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,745/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$62,226
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,404
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,051
−HK$1,671/mo
Today · 4.125%
HK$64,722
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,444/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,965
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$73,173
−HK$2,243/mo
Today · 4.125%
HK$75,416
baseline
▲ 0.50% · 4.625%
HK$80,005
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,832/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,948
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,066
−HK$2,148/mo
Today · 4.125%
HK$83,214
baseline
▲ 0.50% · 4.625%
HK$87,600
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,428/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,369 · Scale 2, in force from 26 Feb 2026)