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$39,572
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,803
−HK$1,250/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,612
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,023
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,204
−HK$1,198/mo
Today · 4.125%
HK$46,402
baseline
▲ 0.50% · 4.625%
HK$48,848
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,804/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,486
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,501/mo
Today · 4.125%
HK$50,464
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,928/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,828
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,245
−HK$1,437/mo
Today · 4.125%
HK$55,682
baseline
▲ 0.50% · 4.625%
HK$58,617
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,364/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,401
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,124
−HK$1,751/mo
Today · 4.125%
HK$58,875
baseline
▲ 0.50% · 4.625%
HK$62,457
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,750/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,633
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,286
−HK$1,677/mo
Today · 4.125%
HK$64,963
baseline
▲ 0.50% · 4.625%
HK$68,387
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,926/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,230
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,445
−HK$2,251/mo
Today · 4.125%
HK$75,696
baseline
▲ 0.50% · 4.625%
HK$80,302
+HK$4,606/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,392/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,242
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,367
−HK$2,156/mo
Today · 4.125%
HK$83,523
baseline
▲ 0.50% · 4.625%
HK$87,926
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,046/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,782 · Scale 2, in force from 26 Feb 2026)