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$39,423
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,649
−HK$1,246/mo
Today · 4.125%
HK$41,895
baseline
▲ 0.50% · 4.625%
HK$44,444
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,790/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,857
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,034
−HK$1,193/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$48,664
+HK$2,437/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,307
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,779
−HK$1,495/mo
Today · 4.125%
HK$50,274
baseline
▲ 0.50% · 4.625%
HK$53,333
+HK$3,059/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,548/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,629
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,040
−HK$1,432/mo
Today · 4.125%
HK$55,472
baseline
▲ 0.50% · 4.625%
HK$58,396
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,944/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,192
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,909
−HK$1,744/mo
Today · 4.125%
HK$58,653
baseline
▲ 0.50% · 4.625%
HK$62,222
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,306/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,400
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,047
−HK$1,671/mo
Today · 4.125%
HK$64,718
baseline
▲ 0.50% · 4.625%
HK$68,129
+HK$3,411/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,436/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,961
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,168
−HK$2,243/mo
Today · 4.125%
HK$75,411
baseline
▲ 0.50% · 4.625%
HK$79,999
+HK$4,588/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,822/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,943
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$81,061
−HK$2,147/mo
Today · 4.125%
HK$83,208
baseline
▲ 0.50% · 4.625%
HK$87,595
+HK$4,387/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,416/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,329 · Scale 2, in force from 26 Feb 2026)