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$39,409
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,635
−HK$1,246/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,193/mo
Today · 4.125%
HK$46,211
baseline
▲ 0.50% · 4.625%
HK$48,647
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,422/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,291
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,762
−HK$1,495/mo
Today · 4.125%
HK$50,257
baseline
▲ 0.50% · 4.625%
HK$53,315
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,514/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,611
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,432/mo
Today · 4.125%
HK$55,454
baseline
▲ 0.50% · 4.625%
HK$58,377
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,908/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,173
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,744/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$62,201
+HK$3,568/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,380
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,026
−HK$1,670/mo
Today · 4.125%
HK$64,696
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,410/mo
Deposit HK$5.18M · loan HK$12.10M · min. income ≈ HK$129,392/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,937
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$2,241/mo
Today · 4.125%
HK$75,385
baseline
▲ 0.50% · 4.625%
HK$79,972
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,770/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,917
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,033
−HK$2,147/mo
Today · 4.125%
HK$83,180
baseline
▲ 0.50% · 4.625%
HK$87,565
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,360/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,110 · Scale 2, in force from 26 Feb 2026)