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$39,590
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,821
−HK$1,251/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,632
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,199/mo
Today · 4.125%
HK$46,423
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,846/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,508
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,986
−HK$1,501/mo
Today · 4.125%
HK$50,487
baseline
▲ 0.50% · 4.625%
HK$53,559
+HK$3,072/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$100,974/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,852
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,269
−HK$1,438/mo
Today · 4.125%
HK$55,707
baseline
▲ 0.50% · 4.625%
HK$58,644
+HK$2,937/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$111,414/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,426
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,150
−HK$1,751/mo
Today · 4.125%
HK$58,901
baseline
▲ 0.50% · 4.625%
HK$62,485
+HK$3,584/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,802/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,661
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,314
−HK$1,678/mo
Today · 4.125%
HK$64,992
baseline
▲ 0.50% · 4.625%
HK$68,418
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,984/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,262
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,478
−HK$2,252/mo
Today · 4.125%
HK$75,730
baseline
▲ 0.50% · 4.625%
HK$80,338
+HK$4,608/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,460/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,404
−HK$2,157/mo
Today · 4.125%
HK$83,561
baseline
▲ 0.50% · 4.625%
HK$87,966
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,122/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,075 · Scale 2, in force from 26 Feb 2026)