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$39,489
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,248/mo
Today · 4.125%
HK$41,966
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,932/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,932
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,195/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,387
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,861
−HK$1,498/mo
Today · 4.125%
HK$50,359
baseline
▲ 0.50% · 4.625%
HK$53,423
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,718/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,718
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,434/mo
Today · 4.125%
HK$55,566
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,132/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,285
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,005
−HK$1,747/mo
Today · 4.125%
HK$58,752
baseline
▲ 0.50% · 4.625%
HK$62,327
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,504/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,504
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,154
−HK$1,673/mo
Today · 4.125%
HK$64,827
baseline
▲ 0.50% · 4.625%
HK$68,244
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,654/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,081
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,292
−HK$2,246/mo
Today · 4.125%
HK$75,538
baseline
▲ 0.50% · 4.625%
HK$80,135
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,076/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,077
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,151/mo
Today · 4.125%
HK$83,349
baseline
▲ 0.50% · 4.625%
HK$87,743
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,698/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,424 · Scale 2, in force from 26 Feb 2026)