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$39,540
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,250/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,197/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,448
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,500/mo
Today · 4.125%
HK$50,424
baseline
▲ 0.50% · 4.625%
HK$53,492
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,848/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,786
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,201
−HK$1,436/mo
Today · 4.125%
HK$55,637
baseline
▲ 0.50% · 4.625%
HK$58,570
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,274/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,356
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,078
−HK$1,750/mo
Today · 4.125%
HK$58,828
baseline
▲ 0.50% · 4.625%
HK$62,407
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,656/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,583
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,235
−HK$1,675/mo
Today · 4.125%
HK$64,910
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,820/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,172
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,386
−HK$2,249/mo
Today · 4.125%
HK$75,635
baseline
▲ 0.50% · 4.625%
HK$80,238
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,270/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,178
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,302
−HK$2,154/mo
Today · 4.125%
HK$83,456
baseline
▲ 0.50% · 4.625%
HK$87,855
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,912/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,259 · Scale 2, in force from 26 Feb 2026)