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$39,547
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,777
−HK$1,249/mo
Today · 4.125%
HK$42,026
baseline
▲ 0.50% · 4.625%
HK$44,584
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,052/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,197/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$48,816
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,500/mo
Today · 4.125%
HK$50,432
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,864/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,794
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,210
−HK$1,437/mo
Today · 4.125%
HK$55,647
baseline
▲ 0.50% · 4.625%
HK$58,580
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,294/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,750/mo
Today · 4.125%
HK$58,837
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,674/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,676/mo
Today · 4.125%
HK$64,921
baseline
▲ 0.50% · 4.625%
HK$68,343
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,842/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,184
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,398
−HK$2,250/mo
Today · 4.125%
HK$75,648
baseline
▲ 0.50% · 4.625%
HK$80,251
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,296/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,191
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,315
−HK$2,155/mo
Today · 4.125%
HK$83,470
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,940/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,364 · Scale 2, in force from 26 Feb 2026)