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$39,501
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,249/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,532
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,944
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,195/mo
Today · 4.125%
HK$46,318
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,636/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,401
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,498/mo
Today · 4.125%
HK$50,373
baseline
▲ 0.50% · 4.625%
HK$53,438
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,746/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,733
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,147
−HK$1,435/mo
Today · 4.125%
HK$55,582
baseline
▲ 0.50% · 4.625%
HK$58,512
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,164/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,748/mo
Today · 4.125%
HK$58,769
baseline
▲ 0.50% · 4.625%
HK$62,345
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,538/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,172
−HK$1,674/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,264
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,101
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,313
−HK$2,247/mo
Today · 4.125%
HK$75,560
baseline
▲ 0.50% · 4.625%
HK$80,158
+HK$4,598/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,120/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,221
−HK$2,152/mo
Today · 4.125%
HK$83,373
baseline
▲ 0.50% · 4.625%
HK$87,768
+HK$4,395/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,746/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,611 · Scale 2, in force from 26 Feb 2026)