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$39,558
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,788
−HK$1,251/mo
Today · 4.125%
HK$42,039
baseline
▲ 0.50% · 4.625%
HK$44,597
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,078/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,008
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,188
−HK$1,197/mo
Today · 4.125%
HK$46,385
baseline
▲ 0.50% · 4.625%
HK$48,830
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,770/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,470
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,946
−HK$1,500/mo
Today · 4.125%
HK$50,446
baseline
▲ 0.50% · 4.625%
HK$53,516
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,892/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,809
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,226
−HK$1,437/mo
Today · 4.125%
HK$55,663
baseline
▲ 0.50% · 4.625%
HK$58,597
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,326/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,381
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,104
−HK$1,750/mo
Today · 4.125%
HK$58,854
baseline
▲ 0.50% · 4.625%
HK$62,435
+HK$3,581/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,708/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,611
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,263
−HK$1,677/mo
Today · 4.125%
HK$64,940
baseline
▲ 0.50% · 4.625%
HK$68,363
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,880/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,419
−HK$2,250/mo
Today · 4.125%
HK$75,669
baseline
▲ 0.50% · 4.625%
HK$80,274
+HK$4,605/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,338/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,214
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,339
−HK$2,155/mo
Today · 4.125%
HK$83,494
baseline
▲ 0.50% · 4.625%
HK$87,895
+HK$4,401/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,988/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,552 · Scale 2, in force from 26 Feb 2026)