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$39,567
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,797
−HK$1,251/mo
Today · 4.125%
HK$42,048
baseline
▲ 0.50% · 4.625%
HK$44,606
+HK$2,558/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,096/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,017
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,198/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$48,841
+HK$2,445/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,500/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,528
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,821
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,238
−HK$1,437/mo
Today · 4.125%
HK$55,675
baseline
▲ 0.50% · 4.625%
HK$58,609
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,350/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,393
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,116
−HK$1,751/mo
Today · 4.125%
HK$58,867
baseline
▲ 0.50% · 4.625%
HK$62,449
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,734/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,624
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,277
−HK$1,677/mo
Today · 4.125%
HK$64,954
baseline
▲ 0.50% · 4.625%
HK$68,378
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,908/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,220
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,435
−HK$2,251/mo
Today · 4.125%
HK$75,686
baseline
▲ 0.50% · 4.625%
HK$80,291
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,372/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,231
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,356
−HK$2,156/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$87,914
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,694 · Scale 2, in force from 26 Feb 2026)