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$39,566
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,797
−HK$1,250/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,558/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,017
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,198/mo
Today · 4.125%
HK$46,395
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,445/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,790/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,479
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,956
−HK$1,500/mo
Today · 4.125%
HK$50,456
baseline
▲ 0.50% · 4.625%
HK$53,526
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,912/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,820
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,237
−HK$1,437/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$58,608
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,392
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,115
−HK$1,751/mo
Today · 4.125%
HK$58,866
baseline
▲ 0.50% · 4.625%
HK$62,448
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,732/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,677/mo
Today · 4.125%
HK$64,953
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,423/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,906/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,218
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,434
−HK$2,251/mo
Today · 4.125%
HK$75,685
baseline
▲ 0.50% · 4.625%
HK$80,290
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,370/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,230
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,355
−HK$2,155/mo
Today · 4.125%
HK$83,510
baseline
▲ 0.50% · 4.625%
HK$87,912
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,020/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,681 · Scale 2, in force from 26 Feb 2026)