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$39,388
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,613
−HK$1,245/mo
Today · 4.125%
HK$41,858
baseline
▲ 0.50% · 4.625%
HK$44,405
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,716/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,819
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,994
−HK$1,192/mo
Today · 4.125%
HK$46,186
baseline
▲ 0.50% · 4.625%
HK$48,621
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,372/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,266
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,736
−HK$1,494/mo
Today · 4.125%
HK$50,230
baseline
▲ 0.50% · 4.625%
HK$53,286
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,460/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,583
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,993
−HK$1,431/mo
Today · 4.125%
HK$55,424
baseline
▲ 0.50% · 4.625%
HK$58,345
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,848/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,859
−HK$1,743/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$62,167
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,992
−HK$1,669/mo
Today · 4.125%
HK$64,661
baseline
▲ 0.50% · 4.625%
HK$68,069
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,322/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,899
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,104
−HK$2,241/mo
Today · 4.125%
HK$75,345
baseline
▲ 0.50% · 4.625%
HK$79,929
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,690/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,874
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$80,990
−HK$2,146/mo
Today · 4.125%
HK$83,136
baseline
▲ 0.50% · 4.625%
HK$87,518
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,272/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,761 · Scale 2, in force from 26 Feb 2026)