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$39,493
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,248/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,523
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,195/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$48,750
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,392
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,866
−HK$1,498/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,428
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,723
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,137
−HK$1,434/mo
Today · 4.125%
HK$55,571
baseline
▲ 0.50% · 4.625%
HK$58,501
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,142/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,290
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,010
−HK$1,748/mo
Today · 4.125%
HK$58,758
baseline
▲ 0.50% · 4.625%
HK$62,333
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,516/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,510
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,160
−HK$1,673/mo
Today · 4.125%
HK$64,833
baseline
▲ 0.50% · 4.625%
HK$68,251
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,666/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,088
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,299
−HK$2,246/mo
Today · 4.125%
HK$75,545
baseline
▲ 0.50% · 4.625%
HK$80,142
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,090/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,084
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,205
−HK$2,152/mo
Today · 4.125%
HK$83,357
baseline
▲ 0.50% · 4.625%
HK$87,751
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,714/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,485 · Scale 2, in force from 26 Feb 2026)