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$39,568
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,251/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,607
+HK$2,558/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,018
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,198/mo
Today · 4.125%
HK$46,397
baseline
▲ 0.50% · 4.625%
HK$48,842
+HK$2,445/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,794/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,481
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,958
−HK$1,501/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,529
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,822
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,239
−HK$1,437/mo
Today · 4.125%
HK$55,676
baseline
▲ 0.50% · 4.625%
HK$58,611
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,352/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,395
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,118
−HK$1,750/mo
Today · 4.125%
HK$58,868
baseline
▲ 0.50% · 4.625%
HK$62,450
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,736/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,626
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,279
−HK$1,676/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,379
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,222
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,437
−HK$2,251/mo
Today · 4.125%
HK$75,688
baseline
▲ 0.50% · 4.625%
HK$80,293
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,376/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,233
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,358
−HK$2,156/mo
Today · 4.125%
HK$83,514
baseline
▲ 0.50% · 4.625%
HK$87,916
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,028/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,709 · Scale 2, in force from 26 Feb 2026)