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$39,424
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,246/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,446
+HK$2,550/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,859
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,193/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$48,665
+HK$2,437/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,309
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,495/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$53,335
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,631
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,432/mo
Today · 4.125%
HK$55,474
baseline
▲ 0.50% · 4.625%
HK$58,398
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,948/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,194
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,911
−HK$1,744/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,402
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,049
−HK$1,671/mo
Today · 4.125%
HK$64,720
baseline
▲ 0.50% · 4.625%
HK$68,131
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,440/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,963
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,171
−HK$2,242/mo
Today · 4.125%
HK$75,413
baseline
▲ 0.50% · 4.625%
HK$80,002
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,826/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,946
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,063
−HK$2,148/mo
Today · 4.125%
HK$83,211
baseline
▲ 0.50% · 4.625%
HK$87,597
+HK$4,386/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,422/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,350 · Scale 2, in force from 26 Feb 2026)