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$39,496
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,724
−HK$1,248/mo
Today · 4.125%
HK$41,972
baseline
▲ 0.50% · 4.625%
HK$44,526
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,944/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,939
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,117
−HK$1,195/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$48,754
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,395
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,869
−HK$1,498/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,726
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,140
−HK$1,435/mo
Today · 4.125%
HK$55,575
baseline
▲ 0.50% · 4.625%
HK$58,504
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,150/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,294
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,014
−HK$1,747/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$62,337
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,514
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,164
−HK$1,673/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,255
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,092
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,304
−HK$2,246/mo
Today · 4.125%
HK$75,550
baseline
▲ 0.50% · 4.625%
HK$80,147
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,100/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,089
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,152/mo
Today · 4.125%
HK$83,362
baseline
▲ 0.50% · 4.625%
HK$87,756
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,724/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,527 · Scale 2, in force from 26 Feb 2026)