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$39,534
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,249/mo
Today · 4.125%
HK$42,013
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,026/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,196/mo
Today · 4.125%
HK$46,357
baseline
▲ 0.50% · 4.625%
HK$48,801
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,714/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,916
−HK$1,500/mo
Today · 4.125%
HK$50,416
baseline
▲ 0.50% · 4.625%
HK$53,483
+HK$3,067/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,832/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,777
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,193
−HK$1,436/mo
Today · 4.125%
HK$55,629
baseline
▲ 0.50% · 4.625%
HK$58,561
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,258/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,348
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,069
−HK$1,749/mo
Today · 4.125%
HK$58,818
baseline
▲ 0.50% · 4.625%
HK$62,397
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,636/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,574
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,225
−HK$1,675/mo
Today · 4.125%
HK$64,900
baseline
▲ 0.50% · 4.625%
HK$68,321
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,800/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,161
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,375
−HK$2,249/mo
Today · 4.125%
HK$75,624
baseline
▲ 0.50% · 4.625%
HK$80,225
+HK$4,601/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,248/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,166
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,289
−HK$2,154/mo
Today · 4.125%
HK$83,443
baseline
▲ 0.50% · 4.625%
HK$87,842
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,886/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,157 · Scale 2, in force from 26 Feb 2026)