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$39,480
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,708
−HK$1,247/mo
Today · 4.125%
HK$41,955
baseline
▲ 0.50% · 4.625%
HK$44,508
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,910/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,921
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,099
−HK$1,195/mo
Today · 4.125%
HK$46,294
baseline
▲ 0.50% · 4.625%
HK$48,734
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,588/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,376
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,849
−HK$1,498/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$3,063/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,705
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,119
−HK$1,433/mo
Today · 4.125%
HK$55,552
baseline
▲ 0.50% · 4.625%
HK$58,481
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,104/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,272
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,747/mo
Today · 4.125%
HK$58,738
baseline
▲ 0.50% · 4.625%
HK$62,312
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,476/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,138
−HK$1,673/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,228
+HK$3,417/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,064
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,274
−HK$2,246/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$80,115
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,058
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,178
−HK$2,151/mo
Today · 4.125%
HK$83,329
baseline
▲ 0.50% · 4.625%
HK$87,721
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,658/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,266 · Scale 2, in force from 26 Feb 2026)