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$39,394
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,245/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,193/mo
Today · 4.125%
HK$46,194
baseline
▲ 0.50% · 4.625%
HK$48,629
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,388/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,744
−HK$1,494/mo
Today · 4.125%
HK$50,238
baseline
▲ 0.50% · 4.625%
HK$53,295
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,476/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,591
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,002
−HK$1,430/mo
Today · 4.125%
HK$55,432
baseline
▲ 0.50% · 4.625%
HK$58,354
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,864/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,868
−HK$1,743/mo
Today · 4.125%
HK$58,611
baseline
▲ 0.50% · 4.625%
HK$62,177
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,222/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,002
−HK$1,669/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,080
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,342/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,910
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,116
−HK$2,241/mo
Today · 4.125%
HK$75,357
baseline
▲ 0.50% · 4.625%
HK$79,942
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,714/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,887
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,002
−HK$2,147/mo
Today · 4.125%
HK$83,149
baseline
▲ 0.50% · 4.625%
HK$87,532
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,298/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,863 · Scale 2, in force from 26 Feb 2026)