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$39,523
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,753
−HK$1,249/mo
Today · 4.125%
HK$42,002
baseline
▲ 0.50% · 4.625%
HK$44,558
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,004/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,969
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,149
−HK$1,196/mo
Today · 4.125%
HK$46,345
baseline
▲ 0.50% · 4.625%
HK$48,788
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,690/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,428
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,903
−HK$1,499/mo
Today · 4.125%
HK$50,402
baseline
▲ 0.50% · 4.625%
HK$53,469
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,804/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,763
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,178
−HK$1,436/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,545
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,228/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,333
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,054
−HK$1,749/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$62,381
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,675/mo
Today · 4.125%
HK$64,883
baseline
▲ 0.50% · 4.625%
HK$68,303
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,766/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,142
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,355
−HK$2,248/mo
Today · 4.125%
HK$75,603
baseline
▲ 0.50% · 4.625%
HK$80,204
+HK$4,601/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,206/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,145
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,153/mo
Today · 4.125%
HK$83,421
baseline
▲ 0.50% · 4.625%
HK$87,818
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,842/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,984 · Scale 2, in force from 26 Feb 2026)