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$39,405
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,245/mo
Today · 4.125%
HK$41,876
baseline
▲ 0.50% · 4.625%
HK$44,424
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,752/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,837
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,193/mo
Today · 4.125%
HK$46,206
baseline
▲ 0.50% · 4.625%
HK$48,641
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,412/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,286
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,494/mo
Today · 4.125%
HK$50,251
baseline
▲ 0.50% · 4.625%
HK$53,309
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,502/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,605
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,431/mo
Today · 4.125%
HK$55,447
baseline
▲ 0.50% · 4.625%
HK$58,370
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,894/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,167
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,743/mo
Today · 4.125%
HK$58,626
baseline
▲ 0.50% · 4.625%
HK$62,193
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,252/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,372
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,018
−HK$1,670/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,098
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,929
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$2,241/mo
Today · 4.125%
HK$75,376
baseline
▲ 0.50% · 4.625%
HK$79,963
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,752/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,907
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,024
−HK$2,147/mo
Today · 4.125%
HK$83,171
baseline
▲ 0.50% · 4.625%
HK$87,555
+HK$4,384/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,342/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,033 · Scale 2, in force from 26 Feb 2026)