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$39,475
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,248/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,503
+HK$2,552/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,194/mo
Today · 4.125%
HK$46,288
baseline
▲ 0.50% · 4.625%
HK$48,728
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,576/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,370
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,844
−HK$1,497/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,699
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,112
−HK$1,434/mo
Today · 4.125%
HK$55,546
baseline
▲ 0.50% · 4.625%
HK$58,474
+HK$2,928/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$111,092/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,265
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,747/mo
Today · 4.125%
HK$58,731
baseline
▲ 0.50% · 4.625%
HK$62,305
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,462/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,482
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,131
−HK$1,673/mo
Today · 4.125%
HK$64,804
baseline
▲ 0.50% · 4.625%
HK$68,220
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,608/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,055
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$2,245/mo
Today · 4.125%
HK$75,511
baseline
▲ 0.50% · 4.625%
HK$80,106
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,022/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,048
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,168
−HK$2,151/mo
Today · 4.125%
HK$83,319
baseline
▲ 0.50% · 4.625%
HK$87,711
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,638/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,191 · Scale 2, in force from 26 Feb 2026)