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$39,525
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,196/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,430
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,906
−HK$1,499/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,472
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,766
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,181
−HK$1,435/mo
Today · 4.125%
HK$55,616
baseline
▲ 0.50% · 4.625%
HK$58,548
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,232/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,335
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,057
−HK$1,748/mo
Today · 4.125%
HK$58,805
baseline
▲ 0.50% · 4.625%
HK$62,383
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,610/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,560
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,211
−HK$1,675/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,306
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,145
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,358
−HK$2,249/mo
Today · 4.125%
HK$75,607
baseline
▲ 0.50% · 4.625%
HK$80,207
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,214/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,149
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,271
−HK$2,154/mo
Today · 4.125%
HK$83,425
baseline
▲ 0.50% · 4.625%
HK$87,822
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,850/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,013 · Scale 2, in force from 26 Feb 2026)