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$39,538
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,767
−HK$1,250/mo
Today · 4.125%
HK$42,017
baseline
▲ 0.50% · 4.625%
HK$44,574
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,034/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,985
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,165
−HK$1,197/mo
Today · 4.125%
HK$46,362
baseline
▲ 0.50% · 4.625%
HK$48,805
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,724/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,445
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,921
−HK$1,499/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,488
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,782
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,198
−HK$1,436/mo
Today · 4.125%
HK$55,634
baseline
▲ 0.50% · 4.625%
HK$58,566
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,268/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,353
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,074
−HK$1,750/mo
Today · 4.125%
HK$58,824
baseline
▲ 0.50% · 4.625%
HK$62,403
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,648/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,579
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,675/mo
Today · 4.125%
HK$64,906
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,812/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,168
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,381
−HK$2,250/mo
Today · 4.125%
HK$75,631
baseline
▲ 0.50% · 4.625%
HK$80,233
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,262/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,297
−HK$2,154/mo
Today · 4.125%
HK$83,451
baseline
▲ 0.50% · 4.625%
HK$87,850
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,902/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,218 · Scale 2, in force from 26 Feb 2026)