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$39,581
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,812
−HK$1,251/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,623
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,215
−HK$1,198/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,975
−HK$1,501/mo
Today · 4.125%
HK$50,476
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,952/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,258
−HK$1,437/mo
Today · 4.125%
HK$55,695
baseline
▲ 0.50% · 4.625%
HK$58,631
+HK$2,936/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,390/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,414
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,137
−HK$1,752/mo
Today · 4.125%
HK$58,889
baseline
▲ 0.50% · 4.625%
HK$62,472
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,778/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,647
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,301
−HK$1,677/mo
Today · 4.125%
HK$64,978
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,425/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,956/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,246
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,462
−HK$2,252/mo
Today · 4.125%
HK$75,714
baseline
▲ 0.50% · 4.625%
HK$80,321
+HK$4,607/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,428/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,386
−HK$2,157/mo
Today · 4.125%
HK$83,543
baseline
▲ 0.50% · 4.625%
HK$87,947
+HK$4,404/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,086/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,934 · Scale 2, in force from 26 Feb 2026)