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$39,538
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,768
−HK$1,249/mo
Today · 4.125%
HK$42,017
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,034/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,165
−HK$1,197/mo
Today · 4.125%
HK$46,362
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,724/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,446
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,922
−HK$1,499/mo
Today · 4.125%
HK$50,421
baseline
▲ 0.50% · 4.625%
HK$53,489
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,842/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,437/mo
Today · 4.125%
HK$55,635
baseline
▲ 0.50% · 4.625%
HK$58,567
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,270/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,353
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,749/mo
Today · 4.125%
HK$58,824
baseline
▲ 0.50% · 4.625%
HK$62,404
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,648/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,580
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,232
−HK$1,675/mo
Today · 4.125%
HK$64,907
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,814/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,169
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$2,249/mo
Today · 4.125%
HK$75,631
baseline
▲ 0.50% · 4.625%
HK$80,233
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,262/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,174
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,298
−HK$2,154/mo
Today · 4.125%
HK$83,452
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,904/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,225 · Scale 2, in force from 26 Feb 2026)