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$39,560
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,790
−HK$1,250/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,598
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,010
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,190
−HK$1,197/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$48,832
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,471
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,948
−HK$1,500/mo
Today · 4.125%
HK$50,448
baseline
▲ 0.50% · 4.625%
HK$53,518
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,896/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,812
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,228
−HK$1,437/mo
Today · 4.125%
HK$55,665
baseline
▲ 0.50% · 4.625%
HK$58,599
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,330/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,106
−HK$1,750/mo
Today · 4.125%
HK$58,856
baseline
▲ 0.50% · 4.625%
HK$62,438
+HK$3,582/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,712/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,613
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,266
−HK$1,676/mo
Today · 4.125%
HK$64,942
baseline
▲ 0.50% · 4.625%
HK$68,365
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,884/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,207
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,422
−HK$2,250/mo
Today · 4.125%
HK$75,672
baseline
▲ 0.50% · 4.625%
HK$80,277
+HK$4,605/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,344/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,217
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,342
−HK$2,155/mo
Today · 4.125%
HK$83,497
baseline
▲ 0.50% · 4.625%
HK$87,898
+HK$4,401/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,994/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,578 · Scale 2, in force from 26 Feb 2026)