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$39,385
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,245/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,402
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,816
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,192/mo
Today · 4.125%
HK$46,183
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,366/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,262
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,494/mo
Today · 4.125%
HK$50,226
baseline
▲ 0.50% · 4.625%
HK$53,282
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,452/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,579
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,431/mo
Today · 4.125%
HK$55,420
baseline
▲ 0.50% · 4.625%
HK$58,341
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,840/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,742/mo
Today · 4.125%
HK$58,597
baseline
▲ 0.50% · 4.625%
HK$62,163
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,194/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,342
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,987
−HK$1,669/mo
Today · 4.125%
HK$64,656
baseline
▲ 0.50% · 4.625%
HK$68,064
+HK$3,408/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,312/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,894
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$73,099
−HK$2,240/mo
Today · 4.125%
HK$75,339
baseline
▲ 0.50% · 4.625%
HK$79,923
+HK$4,584/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,678/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,868
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,984
−HK$2,145/mo
Today · 4.125%
HK$83,129
baseline
▲ 0.50% · 4.625%
HK$87,511
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,258/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,712 · Scale 2, in force from 26 Feb 2026)