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$39,419
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,246/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,440
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,854
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,030
−HK$1,193/mo
Today · 4.125%
HK$46,223
baseline
▲ 0.50% · 4.625%
HK$48,659
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,446/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,303
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,774
−HK$1,495/mo
Today · 4.125%
HK$50,269
baseline
▲ 0.50% · 4.625%
HK$53,328
+HK$3,059/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,538/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,624
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,036
−HK$1,431/mo
Today · 4.125%
HK$55,467
baseline
▲ 0.50% · 4.625%
HK$58,391
+HK$2,924/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,934/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,187
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,904
−HK$1,744/mo
Today · 4.125%
HK$58,648
baseline
▲ 0.50% · 4.625%
HK$62,216
+HK$3,568/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,296/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,395
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,042
−HK$1,670/mo
Today · 4.125%
HK$64,712
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,424/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,955
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,162
−HK$2,242/mo
Today · 4.125%
HK$75,404
baseline
▲ 0.50% · 4.625%
HK$79,992
+HK$4,588/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,808/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,936
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,053
−HK$2,148/mo
Today · 4.125%
HK$83,201
baseline
▲ 0.50% · 4.625%
HK$87,587
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,402/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,271 · Scale 2, in force from 26 Feb 2026)