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$39,520
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,749
−HK$1,249/mo
Today · 4.125%
HK$41,998
baseline
▲ 0.50% · 4.625%
HK$44,553
+HK$2,555/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$83,996/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,965
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,144
−HK$1,196/mo
Today · 4.125%
HK$46,340
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,680/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,424
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,899
−HK$1,498/mo
Today · 4.125%
HK$50,397
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,794/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,758
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,173
−HK$1,436/mo
Today · 4.125%
HK$55,609
baseline
▲ 0.50% · 4.625%
HK$58,540
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,218/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,327
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,749/mo
Today · 4.125%
HK$58,797
baseline
▲ 0.50% · 4.625%
HK$62,375
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,594/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,551
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,675/mo
Today · 4.125%
HK$64,877
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,754/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,135
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,348
−HK$2,248/mo
Today · 4.125%
HK$75,596
baseline
▲ 0.50% · 4.625%
HK$80,196
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,192/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,137
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,260
−HK$2,153/mo
Today · 4.125%
HK$83,413
baseline
▲ 0.50% · 4.625%
HK$87,810
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,826/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,921 · Scale 2, in force from 26 Feb 2026)