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$39,465
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,247/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,492
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,905
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,195/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$48,716
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,832
−HK$1,496/mo
Today · 4.125%
HK$50,328
baseline
▲ 0.50% · 4.625%
HK$53,391
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,656/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,686
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,099
−HK$1,433/mo
Today · 4.125%
HK$55,532
baseline
▲ 0.50% · 4.625%
HK$58,459
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,064/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,970
−HK$1,746/mo
Today · 4.125%
HK$58,716
baseline
▲ 0.50% · 4.625%
HK$62,289
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,432/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,467
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,115
−HK$1,673/mo
Today · 4.125%
HK$64,788
baseline
▲ 0.50% · 4.625%
HK$68,203
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,576/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,038
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,247
−HK$2,245/mo
Today · 4.125%
HK$75,492
baseline
▲ 0.50% · 4.625%
HK$80,086
+HK$4,594/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,984/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,029
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,148
−HK$2,150/mo
Today · 4.125%
HK$83,298
baseline
▲ 0.50% · 4.625%
HK$87,689
+HK$4,391/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,596/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,028 · Scale 2, in force from 26 Feb 2026)