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$39,413
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,245/mo
Today · 4.125%
HK$41,884
baseline
▲ 0.50% · 4.625%
HK$44,433
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,768/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,022
−HK$1,193/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$48,651
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,767
−HK$1,494/mo
Today · 4.125%
HK$50,261
baseline
▲ 0.50% · 4.625%
HK$53,320
+HK$3,059/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,522/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,616
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,027
−HK$1,431/mo
Today · 4.125%
HK$55,458
baseline
▲ 0.50% · 4.625%
HK$58,382
+HK$2,924/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,916/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,178
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,744/mo
Today · 4.125%
HK$58,638
baseline
▲ 0.50% · 4.625%
HK$62,206
+HK$3,568/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,276/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,385
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,031
−HK$1,671/mo
Today · 4.125%
HK$64,702
baseline
▲ 0.50% · 4.625%
HK$68,112
+HK$3,410/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,404/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,943
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,150
−HK$2,242/mo
Today · 4.125%
HK$75,392
baseline
▲ 0.50% · 4.625%
HK$79,980
+HK$4,588/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,784/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,924
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,040
−HK$2,148/mo
Today · 4.125%
HK$83,188
baseline
▲ 0.50% · 4.625%
HK$87,573
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,376/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,167 · Scale 2, in force from 26 Feb 2026)