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$39,517
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,249/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,550
+HK$2,555/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,962
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,196/mo
Today · 4.125%
HK$46,337
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,674/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,420
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,895
−HK$1,499/mo
Today · 4.125%
HK$50,394
baseline
▲ 0.50% · 4.625%
HK$53,460
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,788/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,755
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,170
−HK$1,435/mo
Today · 4.125%
HK$55,605
baseline
▲ 0.50% · 4.625%
HK$58,536
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,210/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,324
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,748/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$62,370
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,547
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,674/mo
Today · 4.125%
HK$64,872
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,744/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,131
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,343
−HK$2,248/mo
Today · 4.125%
HK$75,591
baseline
▲ 0.50% · 4.625%
HK$80,191
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,182/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,132
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,254
−HK$2,153/mo
Today · 4.125%
HK$83,407
baseline
▲ 0.50% · 4.625%
HK$87,804
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,814/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,877 · Scale 2, in force from 26 Feb 2026)