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$39,570
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,801
−HK$1,251/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,198/mo
Today · 4.125%
HK$46,400
baseline
▲ 0.50% · 4.625%
HK$48,846
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,800/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,961
−HK$1,501/mo
Today · 4.125%
HK$50,462
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,924/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,826
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,243
−HK$1,437/mo
Today · 4.125%
HK$55,680
baseline
▲ 0.50% · 4.625%
HK$58,615
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,360/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,398
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,122
−HK$1,750/mo
Today · 4.125%
HK$58,872
baseline
▲ 0.50% · 4.625%
HK$62,455
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,744/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,630
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,283
−HK$1,677/mo
Today · 4.125%
HK$64,960
baseline
▲ 0.50% · 4.625%
HK$68,384
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,920/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,442
−HK$2,251/mo
Today · 4.125%
HK$75,693
baseline
▲ 0.50% · 4.625%
HK$80,299
+HK$4,606/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,386/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,239
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,364
−HK$2,156/mo
Today · 4.125%
HK$83,520
baseline
▲ 0.50% · 4.625%
HK$87,922
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,040/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,755 · Scale 2, in force from 26 Feb 2026)