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$39,512
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,741
−HK$1,249/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,545
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,957
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,136
−HK$1,196/mo
Today · 4.125%
HK$46,332
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,664/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,415
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,890
−HK$1,498/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,454
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,748
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,163
−HK$1,435/mo
Today · 4.125%
HK$55,598
baseline
▲ 0.50% · 4.625%
HK$58,529
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,196/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,317
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,038
−HK$1,748/mo
Today · 4.125%
HK$58,786
baseline
▲ 0.50% · 4.625%
HK$62,363
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,572/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,190
−HK$1,675/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,122
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,334
−HK$2,248/mo
Today · 4.125%
HK$75,582
baseline
▲ 0.50% · 4.625%
HK$80,181
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,164/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,123
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,245
−HK$2,152/mo
Today · 4.125%
HK$83,397
baseline
▲ 0.50% · 4.625%
HK$87,793
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,794/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,801 · Scale 2, in force from 26 Feb 2026)