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$39,546
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,776
−HK$1,250/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,583
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,197/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,455
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,499/mo
Today · 4.125%
HK$50,431
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,862/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,794
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,436/mo
Today · 4.125%
HK$55,646
baseline
▲ 0.50% · 4.625%
HK$58,579
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,292/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,750/mo
Today · 4.125%
HK$58,837
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,674/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,675/mo
Today · 4.125%
HK$64,920
baseline
▲ 0.50% · 4.625%
HK$68,342
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,840/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,183
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,397
−HK$2,250/mo
Today · 4.125%
HK$75,647
baseline
▲ 0.50% · 4.625%
HK$80,250
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,294/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,191
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,314
−HK$2,155/mo
Today · 4.125%
HK$83,469
baseline
▲ 0.50% · 4.625%
HK$87,869
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,938/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,359 · Scale 2, in force from 26 Feb 2026)