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$39,395
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,245/mo
Today · 4.125%
HK$41,866
baseline
▲ 0.50% · 4.625%
HK$44,413
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,732/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,827
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,193/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$48,630
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,274
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,745
−HK$1,494/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$53,296
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,592
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,003
−HK$1,431/mo
Today · 4.125%
HK$55,434
baseline
▲ 0.50% · 4.625%
HK$58,356
+HK$2,922/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,868/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,153
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,743/mo
Today · 4.125%
HK$58,612
baseline
▲ 0.50% · 4.625%
HK$62,178
+HK$3,566/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,224/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,358
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,670/mo
Today · 4.125%
HK$64,673
baseline
▲ 0.50% · 4.625%
HK$68,082
+HK$3,409/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,346/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,912
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,117
−HK$2,241/mo
Today · 4.125%
HK$75,358
baseline
▲ 0.50% · 4.625%
HK$79,944
+HK$4,586/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,716/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,888
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,147/mo
Today · 4.125%
HK$83,151
baseline
▲ 0.50% · 4.625%
HK$87,534
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,302/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,877 · Scale 2, in force from 26 Feb 2026)