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$39,400
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,245/mo
Today · 4.125%
HK$41,871
baseline
▲ 0.50% · 4.625%
HK$44,418
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,742/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,832
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,192/mo
Today · 4.125%
HK$46,200
baseline
▲ 0.50% · 4.625%
HK$48,635
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,400/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,280
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,494/mo
Today · 4.125%
HK$50,245
baseline
▲ 0.50% · 4.625%
HK$53,302
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,490/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,009
−HK$1,431/mo
Today · 4.125%
HK$55,440
baseline
▲ 0.50% · 4.625%
HK$58,363
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,880/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,160
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,876
−HK$1,743/mo
Today · 4.125%
HK$58,619
baseline
▲ 0.50% · 4.625%
HK$62,186
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,238/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,365
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,011
−HK$1,669/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,090
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,920
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,126
−HK$2,241/mo
Today · 4.125%
HK$75,367
baseline
▲ 0.50% · 4.625%
HK$79,953
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,734/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,898
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,014
−HK$2,146/mo
Today · 4.125%
HK$83,160
baseline
▲ 0.50% · 4.625%
HK$87,544
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,320/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,953 · Scale 2, in force from 26 Feb 2026)