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$39,571
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,250/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,611
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,203
−HK$1,198/mo
Today · 4.125%
HK$46,401
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,802/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,485
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,962
−HK$1,501/mo
Today · 4.125%
HK$50,463
baseline
▲ 0.50% · 4.625%
HK$53,534
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,926/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,827
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,437/mo
Today · 4.125%
HK$55,681
baseline
▲ 0.50% · 4.625%
HK$58,616
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,362/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,399
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,750/mo
Today · 4.125%
HK$58,873
baseline
▲ 0.50% · 4.625%
HK$62,456
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,746/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,631
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,284
−HK$1,677/mo
Today · 4.125%
HK$64,961
baseline
▲ 0.50% · 4.625%
HK$68,385
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,922/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,228
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,443
−HK$2,251/mo
Today · 4.125%
HK$75,694
baseline
▲ 0.50% · 4.625%
HK$80,300
+HK$4,606/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,388/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,240
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,365
−HK$2,156/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$87,924
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,767 · Scale 2, in force from 26 Feb 2026)