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$39,490
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,248/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,520
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,932
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,195/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$48,747
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,388
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,862
−HK$1,498/mo
Today · 4.125%
HK$50,360
baseline
▲ 0.50% · 4.625%
HK$53,424
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,720/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,719
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,434/mo
Today · 4.125%
HK$55,567
baseline
▲ 0.50% · 4.625%
HK$58,496
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,134/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,286
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,006
−HK$1,747/mo
Today · 4.125%
HK$58,753
baseline
▲ 0.50% · 4.625%
HK$62,328
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,506/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,505
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,155
−HK$1,673/mo
Today · 4.125%
HK$64,828
baseline
▲ 0.50% · 4.625%
HK$68,245
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,656/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,082
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,293
−HK$2,247/mo
Today · 4.125%
HK$75,540
baseline
▲ 0.50% · 4.625%
HK$80,136
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,080/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,078
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,199
−HK$2,151/mo
Today · 4.125%
HK$83,350
baseline
▲ 0.50% · 4.625%
HK$87,744
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,700/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,435 · Scale 2, in force from 26 Feb 2026)