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$39,474
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,702
−HK$1,248/mo
Today · 4.125%
HK$41,950
baseline
▲ 0.50% · 4.625%
HK$44,502
+HK$2,552/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,900/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,915
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,194/mo
Today · 4.125%
HK$46,287
baseline
▲ 0.50% · 4.625%
HK$48,727
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,574/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,369
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,843
−HK$1,497/mo
Today · 4.125%
HK$50,340
baseline
▲ 0.50% · 4.625%
HK$53,403
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$100,680/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,698
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,111
−HK$1,434/mo
Today · 4.125%
HK$55,545
baseline
▲ 0.50% · 4.625%
HK$58,473
+HK$2,928/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$111,090/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,264
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,983
−HK$1,747/mo
Today · 4.125%
HK$58,730
baseline
▲ 0.50% · 4.625%
HK$62,303
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,460/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,481
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,130
−HK$1,672/mo
Today · 4.125%
HK$64,802
baseline
▲ 0.50% · 4.625%
HK$68,218
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,604/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,054
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$73,264
−HK$2,245/mo
Today · 4.125%
HK$75,509
baseline
▲ 0.50% · 4.625%
HK$80,104
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,018/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,047
−HK$4,270/mo
▼ 0.25% · 3.875%
HK$81,167
−HK$2,150/mo
Today · 4.125%
HK$83,317
baseline
▲ 0.50% · 4.625%
HK$87,709
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,634/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,176 · Scale 2, in force from 26 Feb 2026)