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$39,582
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,251/mo
Today · 4.125%
HK$42,064
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,128/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,215
−HK$1,198/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$48,860
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,498
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,501/mo
Today · 4.125%
HK$50,476
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$3,072/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$100,952/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,438/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$58,632
+HK$2,936/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,414
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,751/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,677/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,425/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,247
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,463
−HK$2,252/mo
Today · 4.125%
HK$75,715
baseline
▲ 0.50% · 4.625%
HK$80,322
+HK$4,607/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,430/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,387
−HK$2,157/mo
Today · 4.125%
HK$83,544
baseline
▲ 0.50% · 4.625%
HK$87,947
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,088/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,940 · Scale 2, in force from 26 Feb 2026)