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$39,481
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,709
−HK$1,248/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,509
+HK$2,552/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,922
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,100
−HK$1,195/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,377
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,497/mo
Today · 4.125%
HK$50,348
baseline
▲ 0.50% · 4.625%
HK$53,411
+HK$3,063/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,696/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,120
−HK$1,434/mo
Today · 4.125%
HK$55,554
baseline
▲ 0.50% · 4.625%
HK$58,482
+HK$2,928/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,108/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,273
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,992
−HK$1,747/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$62,313
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,140
−HK$1,673/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,229
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,065
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,276
−HK$2,246/mo
Today · 4.125%
HK$75,522
baseline
▲ 0.50% · 4.625%
HK$80,117
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,044/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,059
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,180
−HK$2,151/mo
Today · 4.125%
HK$83,331
baseline
▲ 0.50% · 4.625%
HK$87,723
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,662/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,281 · Scale 2, in force from 26 Feb 2026)