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$2,470/mo
▼ 0.25% · 3.875%
HK$40,625
−HK$1,245/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,418
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,832
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,007
−HK$1,193/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$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,279
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,750
−HK$1,494/mo
Today · 4.125%
HK$50,244
baseline
▲ 0.50% · 4.625%
HK$53,301
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,488/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,946 · 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$58,362
+HK$2,922/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$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,159
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,743/mo
Today · 4.125%
HK$58,618
baseline
▲ 0.50% · 4.625%
HK$62,185
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,236/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,364
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,010
−HK$1,670/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,919
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,125
−HK$2,241/mo
Today · 4.125%
HK$75,366
baseline
▲ 0.50% · 4.625%
HK$79,952
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,732/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,897
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,013
−HK$2,146/mo
Today · 4.125%
HK$83,159
baseline
▲ 0.50% · 4.625%
HK$87,543
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,318/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,946 · Scale 2, in force from 26 Feb 2026)