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$39,414
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$40,640
−HK$1,245/mo
Today · 4.125%
HK$41,885
baseline
▲ 0.50% · 4.625%
HK$44,434
+HK$2,549/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$83,770/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,023
−HK$1,193/mo
Today · 4.125%
HK$46,216
baseline
▲ 0.50% · 4.625%
HK$48,652
+HK$2,436/mo
Deposit HK$8.64M · loan HK$8.64M · min. income ≈ HK$92,432/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,296
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,494/mo
Today · 4.125%
HK$50,262
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$3,059/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$100,524/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,617
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,028
−HK$1,432/mo
Today · 4.125%
HK$55,460
baseline
▲ 0.50% · 4.625%
HK$58,383
+HK$2,923/mo
Deposit HK$6.91M · loan HK$10.37M · min. income ≈ HK$110,920/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,179
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,743/mo
Today · 4.125%
HK$58,639
baseline
▲ 0.50% · 4.625%
HK$62,207
+HK$3,568/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,278/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,386
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,033
−HK$1,670/mo
Today · 4.125%
HK$64,703
baseline
▲ 0.50% · 4.625%
HK$68,113
+HK$3,410/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,406/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,945
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$73,151
−HK$2,243/mo
Today · 4.125%
HK$75,394
baseline
▲ 0.50% · 4.625%
HK$79,981
+HK$4,587/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,788/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,925
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$81,042
−HK$2,147/mo
Today · 4.125%
HK$83,189
baseline
▲ 0.50% · 4.625%
HK$87,574
+HK$4,385/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,378/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,179 · Scale 2, in force from 26 Feb 2026)