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$39,561
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,791
−HK$1,251/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,600
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,191
−HK$1,198/mo
Today · 4.125%
HK$46,389
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,778/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,473
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,950
−HK$1,500/mo
Today · 4.125%
HK$50,450
baseline
▲ 0.50% · 4.625%
HK$53,520
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,900/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,813
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,230
−HK$1,436/mo
Today · 4.125%
HK$55,666
baseline
▲ 0.50% · 4.625%
HK$58,601
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,332/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,385
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,750/mo
Today · 4.125%
HK$58,858
baseline
▲ 0.50% · 4.625%
HK$62,440
+HK$3,582/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,716/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,615
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,268
−HK$1,676/mo
Today · 4.125%
HK$64,944
baseline
▲ 0.50% · 4.625%
HK$68,368
+HK$3,424/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,888/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,209
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,424
−HK$2,251/mo
Today · 4.125%
HK$75,675
baseline
▲ 0.50% · 4.625%
HK$80,279
+HK$4,604/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,350/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,220
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,344
−HK$2,156/mo
Today · 4.125%
HK$83,500
baseline
▲ 0.50% · 4.625%
HK$87,901
+HK$4,401/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$167,000/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,598 · Scale 2, in force from 26 Feb 2026)