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$39,579
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,810
−HK$1,251/mo
Today · 4.125%
HK$42,061
baseline
▲ 0.50% · 4.625%
HK$44,620
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,122/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,031
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,212
−HK$1,198/mo
Today · 4.125%
HK$46,410
baseline
▲ 0.50% · 4.625%
HK$48,856
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,820/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,495
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,972
−HK$1,501/mo
Today · 4.125%
HK$50,473
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,946/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,837
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,254
−HK$1,438/mo
Today · 4.125%
HK$55,692
baseline
▲ 0.50% · 4.625%
HK$58,627
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,384/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,410
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,751/mo
Today · 4.125%
HK$58,885
baseline
▲ 0.50% · 4.625%
HK$62,468
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,770/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,643
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,297
−HK$1,677/mo
Today · 4.125%
HK$64,974
baseline
▲ 0.50% · 4.625%
HK$68,399
+HK$3,425/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,948/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,242
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,458
−HK$2,251/mo
Today · 4.125%
HK$75,709
baseline
▲ 0.50% · 4.625%
HK$80,316
+HK$4,607/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,418/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,256
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,381
−HK$2,157/mo
Today · 4.125%
HK$83,538
baseline
▲ 0.50% · 4.625%
HK$87,941
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,076/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,894 · Scale 2, in force from 26 Feb 2026)