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$39,528
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,757
−HK$1,249/mo
Today · 4.125%
HK$42,006
baseline
▲ 0.50% · 4.625%
HK$44,562
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,012/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,974
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,153
−HK$1,197/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$48,793
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,433
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,909
−HK$1,499/mo
Today · 4.125%
HK$50,408
baseline
▲ 0.50% · 4.625%
HK$53,475
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,816/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,769
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,184
−HK$1,436/mo
Today · 4.125%
HK$55,620
baseline
▲ 0.50% · 4.625%
HK$58,552
+HK$2,932/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,240/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,339
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,060
−HK$1,749/mo
Today · 4.125%
HK$58,809
baseline
▲ 0.50% · 4.625%
HK$62,387
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,618/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,564
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,215
−HK$1,675/mo
Today · 4.125%
HK$64,890
baseline
▲ 0.50% · 4.625%
HK$68,310
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,780/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,150
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,363
−HK$2,248/mo
Today · 4.125%
HK$75,611
baseline
▲ 0.50% · 4.625%
HK$80,212
+HK$4,601/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,222/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,153
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$81,276
−HK$2,154/mo
Today · 4.125%
HK$83,430
baseline
▲ 0.50% · 4.625%
HK$87,827
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,860/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,053 · Scale 2, in force from 26 Feb 2026)