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$39,470
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,247/mo
Today · 4.125%
HK$41,945
baseline
▲ 0.50% · 4.625%
HK$44,497
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,890/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,910
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,088
−HK$1,194/mo
Today · 4.125%
HK$46,282
baseline
▲ 0.50% · 4.625%
HK$48,722
+HK$2,440/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,564/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,364
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,837
−HK$1,497/mo
Today · 4.125%
HK$50,334
baseline
▲ 0.50% · 4.625%
HK$53,397
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$100,668/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,692
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,105
−HK$1,434/mo
Today · 4.125%
HK$55,539
baseline
▲ 0.50% · 4.625%
HK$58,466
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$111,078/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,258
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,977
−HK$1,746/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$62,296
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,474
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,123
−HK$1,672/mo
Today · 4.125%
HK$64,795
baseline
▲ 0.50% · 4.625%
HK$68,211
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,590/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,046
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,256
−HK$2,245/mo
Today · 4.125%
HK$75,501
baseline
▲ 0.50% · 4.625%
HK$80,095
+HK$4,594/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,002/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,038
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,158
−HK$2,150/mo
Today · 4.125%
HK$83,308
baseline
▲ 0.50% · 4.625%
HK$87,700
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,616/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,106 · Scale 2, in force from 26 Feb 2026)