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$39,536
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,766
−HK$1,250/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,572
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,164
−HK$1,196/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,920
−HK$1,499/mo
Today · 4.125%
HK$50,419
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,838/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,781
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,196
−HK$1,436/mo
Today · 4.125%
HK$55,632
baseline
▲ 0.50% · 4.625%
HK$58,565
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,264/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,073
−HK$1,749/mo
Today · 4.125%
HK$58,822
baseline
▲ 0.50% · 4.625%
HK$62,401
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,644/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,578
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,675/mo
Today · 4.125%
HK$64,904
baseline
▲ 0.50% · 4.625%
HK$68,326
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,808/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,166
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,379
−HK$2,249/mo
Today · 4.125%
HK$75,628
baseline
▲ 0.50% · 4.625%
HK$80,230
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,256/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,171
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,294
−HK$2,154/mo
Today · 4.125%
HK$83,448
baseline
▲ 0.50% · 4.625%
HK$87,847
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,896/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,199 · Scale 2, in force from 26 Feb 2026)