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$39,522
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,249/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,556
+HK$2,555/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,197/mo
Today · 4.125%
HK$46,344
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,442/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,688/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,427
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,902
−HK$1,499/mo
Today · 4.125%
HK$50,401
baseline
▲ 0.50% · 4.625%
HK$53,468
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,802/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,762
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,177
−HK$1,435/mo
Today · 4.125%
HK$55,612
baseline
▲ 0.50% · 4.625%
HK$58,544
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,224/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,331
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,052
−HK$1,749/mo
Today · 4.125%
HK$58,801
baseline
▲ 0.50% · 4.625%
HK$62,379
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,602/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,555
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,206
−HK$1,675/mo
Today · 4.125%
HK$64,881
baseline
▲ 0.50% · 4.625%
HK$68,301
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,762/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,140
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,353
−HK$2,248/mo
Today · 4.125%
HK$75,601
baseline
▲ 0.50% · 4.625%
HK$80,201
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,202/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,143
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,265
−HK$2,153/mo
Today · 4.125%
HK$83,418
baseline
▲ 0.50% · 4.625%
HK$87,816
+HK$4,398/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,836/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,965 · Scale 2, in force from 26 Feb 2026)