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$39,527
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,249/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,561
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,973
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,152
−HK$1,197/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$48,792
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,432
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,907
−HK$1,499/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,473
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,768
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,183
−HK$1,435/mo
Today · 4.125%
HK$55,618
baseline
▲ 0.50% · 4.625%
HK$58,550
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,236/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,337
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,059
−HK$1,748/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,675/mo
Today · 4.125%
HK$64,888
baseline
▲ 0.50% · 4.625%
HK$68,308
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,148
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,361
−HK$2,248/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$80,210
+HK$4,601/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,151
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,274
−HK$2,154/mo
Today · 4.125%
HK$83,428
baseline
▲ 0.50% · 4.625%
HK$87,825
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,856/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,036 · Scale 2, in force from 26 Feb 2026)