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$39,509
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,738
−HK$1,248/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,541
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,953
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,132
−HK$1,196/mo
Today · 4.125%
HK$46,328
baseline
▲ 0.50% · 4.625%
HK$48,770
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,656/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,410
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,885
−HK$1,498/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,449
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,744
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,158
−HK$1,435/mo
Today · 4.125%
HK$55,593
baseline
▲ 0.50% · 4.625%
HK$58,524
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,186/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,312
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,033
−HK$1,748/mo
Today · 4.125%
HK$58,781
baseline
▲ 0.50% · 4.625%
HK$62,357
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,562/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,534
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,185
−HK$1,674/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,278
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,116
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,328
−HK$2,247/mo
Today · 4.125%
HK$75,575
baseline
▲ 0.50% · 4.625%
HK$80,174
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,150/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,115
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,237
−HK$2,153/mo
Today · 4.125%
HK$83,390
baseline
▲ 0.50% · 4.625%
HK$87,785
+HK$4,395/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,780/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,742 · Scale 2, in force from 26 Feb 2026)