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$2,470/mo
▼ 0.25% · 3.875%
HK$40,619
−HK$1,245/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,412
+HK$2,548/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$45,001
−HK$1,192/mo
Today · 4.125%
HK$46,193
baseline
▲ 0.50% · 4.625%
HK$48,628
+HK$2,435/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,386/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,273
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,494/mo
Today · 4.125%
HK$50,237
baseline
▲ 0.50% · 4.625%
HK$53,294
+HK$3,057/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,474/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,591
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$54,001
−HK$1,431/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$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,743/mo
Today · 4.125%
HK$58,610
baseline
▲ 0.50% · 4.625%
HK$62,177
+HK$3,567/mo
Deposit HK$5.18M · loan HK$12.09M · min. income ≈ HK$117,220/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,670/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,079
+HK$3,408/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$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,909
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$73,115
−HK$2,241/mo
Today · 4.125%
HK$75,356
baseline
▲ 0.50% · 4.625%
HK$79,941
+HK$4,585/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$150,712/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,886
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$81,002
−HK$2,146/mo
Today · 4.125%
HK$83,148
baseline
▲ 0.50% · 4.625%
HK$87,531
+HK$4,383/mo
Deposit HK$1.73M · loan HK$15.55M · min. income ≈ HK$166,296/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$647,857 · Scale 2, in force from 26 Feb 2026)