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$39,382
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,244/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,398
+HK$2,547/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,192/mo
Today · 4.125%
HK$46,179
baseline
▲ 0.50% · 4.625%
HK$48,613
+HK$2,434/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,358/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,258
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,728
−HK$1,494/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$3,056/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,574
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,984
−HK$1,431/mo
Today · 4.125%
HK$55,415
baseline
▲ 0.50% · 4.625%
HK$58,336
+HK$2,921/mo
Deposit HK$6.91M · loan HK$10.36M · min. income ≈ HK$110,830/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,135
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,850
−HK$1,742/mo
Today · 4.125%
HK$58,592
baseline
▲ 0.50% · 4.625%
HK$62,157
+HK$3,565/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,184/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,337
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,982
−HK$1,669/mo
Today · 4.125%
HK$64,651
baseline
▲ 0.50% · 4.625%
HK$68,058
+HK$3,407/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$129,302/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,887
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$73,092
−HK$2,241/mo
Today · 4.125%
HK$75,333
baseline
▲ 0.50% · 4.625%
HK$79,916
+HK$4,583/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$150,666/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,861
−HK$4,261/mo
▼ 0.25% · 3.875%
HK$80,977
−HK$2,145/mo
Today · 4.125%
HK$83,122
baseline
▲ 0.50% · 4.625%
HK$87,504
+HK$4,382/mo
Deposit HK$1.73M · loan HK$15.54M · min. income ≈ HK$166,244/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$647,656 · Scale 2, in force from 26 Feb 2026)