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$39,535
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,765
−HK$1,250/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,571
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,162
−HK$1,197/mo
Today · 4.125%
HK$46,359
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,718/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,443
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,918
−HK$1,500/mo
Today · 4.125%
HK$50,418
baseline
▲ 0.50% · 4.625%
HK$53,485
+HK$3,067/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,836/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,779
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,195
−HK$1,436/mo
Today · 4.125%
HK$55,631
baseline
▲ 0.50% · 4.625%
HK$58,563
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,262/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,350
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,071
−HK$1,750/mo
Today · 4.125%
HK$58,821
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,642/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,576
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,227
−HK$1,676/mo
Today · 4.125%
HK$64,903
baseline
▲ 0.50% · 4.625%
HK$68,324
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,806/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,164
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,377
−HK$2,249/mo
Today · 4.125%
HK$75,626
baseline
▲ 0.50% · 4.625%
HK$80,228
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,252/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,169
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,292
−HK$2,154/mo
Today · 4.125%
HK$83,446
baseline
▲ 0.50% · 4.625%
HK$87,845
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,892/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,181 · Scale 2, in force from 26 Feb 2026)