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$39,411
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,246/mo
Today · 4.125%
HK$41,883
baseline
▲ 0.50% · 4.625%
HK$44,431
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,766/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,020
−HK$1,193/mo
Today · 4.125%
HK$46,213
baseline
▲ 0.50% · 4.625%
HK$48,649
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,426/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,293
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,764
−HK$1,495/mo
Today · 4.125%
HK$50,259
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$3,058/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,518/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,024
−HK$1,432/mo
Today · 4.125%
HK$55,456
baseline
▲ 0.50% · 4.625%
HK$58,379
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,912/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,176
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,892
−HK$1,744/mo
Today · 4.125%
HK$58,636
baseline
▲ 0.50% · 4.625%
HK$62,203
+HK$3,567/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,272/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,382
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,029
−HK$1,670/mo
Today · 4.125%
HK$64,699
baseline
▲ 0.50% · 4.625%
HK$68,109
+HK$3,410/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,398/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,940
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$2,242/mo
Today · 4.125%
HK$75,389
baseline
▲ 0.50% · 4.625%
HK$79,976
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,778/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,920
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,147/mo
Today · 4.125%
HK$83,184
baseline
▲ 0.50% · 4.625%
HK$87,569
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,368/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,137 · Scale 2, in force from 26 Feb 2026)