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$39,476
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,247/mo
Today · 4.125%
HK$41,951
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,902/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,916
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,195/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,371
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,844
−HK$1,497/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,699
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,113
−HK$1,434/mo
Today · 4.125%
HK$55,547
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$2,928/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$111,094/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,266
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,985
−HK$1,747/mo
Today · 4.125%
HK$58,732
baseline
▲ 0.50% · 4.625%
HK$62,305
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,464/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,483
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,132
−HK$1,672/mo
Today · 4.125%
HK$64,804
baseline
▲ 0.50% · 4.625%
HK$68,220
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,608/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,056
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$2,246/mo
Today · 4.125%
HK$75,512
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,024/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,049
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,151/mo
Today · 4.125%
HK$83,320
baseline
▲ 0.50% · 4.625%
HK$87,712
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,640/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,198 · Scale 2, in force from 26 Feb 2026)