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$39,389
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,244/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,407
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,820
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$44,996
−HK$1,192/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,622
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,267
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,493/mo
Today · 4.125%
HK$50,231
baseline
▲ 0.50% · 4.625%
HK$53,288
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,462/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,584
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,430/mo
Today · 4.125%
HK$55,425
baseline
▲ 0.50% · 4.625%
HK$58,347
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,850/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,145
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,743/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,348
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,669/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,071
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,901
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,106
−HK$2,241/mo
Today · 4.125%
HK$75,347
baseline
▲ 0.50% · 4.625%
HK$79,932
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,694/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,877
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,992
−HK$2,146/mo
Today · 4.125%
HK$83,138
baseline
▲ 0.50% · 4.625%
HK$87,520
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,276/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,780 · Scale 2, in force from 26 Feb 2026)